You should think a lot harder about getting some worldwide, international health/medical and legal travel insurance coverage if...

• You can't afford to pay medical and legal expenses out-of-pocket, even if it is in rupees.
• You're really accident-prone.
• You don't want to have to pay for these expenses should they come up, or deal with the procedural quagmire, and would rather someone else tend to the gory details.
• You didn't buy it last time, something happened, and you'd rather learn from experience.
• You think it's worthwhile to invest a little extra money in something that you may not have to use, but that you'll be really glad to have if you do need to use it.
• The policy you have at home doesn't cover you abroad (which is usually the case).
• Your mates bought you a body cast as a going-away present.

Where haven't you been yet?

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  * NOTE: Actual coverage, restrictions, benefits and requirements vary by plan.