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It may seem to be an odd concern in relation to travel of the question of how your travel insurance does or does not protect you in the case of terror and terror attacks.

It can be said that overall your chances of being affected by a terror or terrorism attack are remote. This is true. However there may be additional effects of a terrorism attack not only on the direct victims but on travelers who are in the country of the place of attack or even other countries.

You, your travel companions or even the country that has the attack may not directly lie in your path. Yet your trip either at the point of destination or even way by points may be directly affected. You need not have been in Mumbai or even India itself to have had your travel plans greatly affected.

For example your medical treatment may have been assigned a certain date and yet due to the attacks you find that all air travel are grounded.

Does your travel insurance cover such for events for cancellations or delays? Are additional hotel and travel costs covered? Will any replacement travel fares or future trips for this purpose assigned covered or will it all come under the clauses of “not covered due to acts of war or terrorism “or some other “acts of …” coverage.

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Medical tourism has been seen by many as a blessing.  Que lines can be substantially shortened.  What may not be available in your home country may well be available to you elsewhere.  In Canada for example it may be a multi-year wait for hip or knee replacement surgery or therapy.  It is not only a question of convenience.  The poor patient may be incapacitated .  What kind of a life can they lead – almost being handicapped.   In addition they may live in great pain which for the most part will make them dysfunctional if not almost always in a “bad” mood.  Small reason why.

If they have the funds available one can well say – “What is money for”.  To have funds yet be in pain , not being able to lead your life as you want it is not a bargain in the mix.   Often it is not only a question of the money at all.  Its the quality of life afforded.  Quality of life is everything.

One may wonder the mentality of allowing such ques to take place.  In a socialist mindset the worst thing that can possibly occur is “Que jumping”.  The origin behind this way of thinking and value statement / judgment is that under socialism services and goods available are seen in the “pie”  concept.  There is only one “pie’  of services.  If one person takes a piece of pie there is less left for everyone else.  If you take a piece of the pie by jumping ahead of the Que then you are reducing the amount of goods/services / pie for me and everyone else.  Thus que jumping when it comes to medical services is downright evil and immoral.

The fallacy in this logic is that in progressive societies those that are most productive expand the pie or pies.

Their inputs , factories so to speak , produce additional pies.  It can be said that in the socialist paradise – the former Soviet Union – everyone had a job , but not everyone could afford to eat.   Even in the socialist paradise of the Soviet Union there were privileged classes – the “party members’  who certainly had great powers to jump the Que lines in a much greater fashion and manner than was and would be allowed in any of the industrialized “capitalistic” economy societies.

People will jump ahead in Que lines.  It is human nature.  On top of that medical tourism can offload some of the demands on a given health care system or systems freeing up the load.  On the other side though it is often the most affluent and powerful members of society who push for changes , upgrades in standards and service levels.  If they are taken out of the mix beneficial improvement in the medical systems and levels of services may not be afforded.

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The Mumbai terrorist attacks are taking a toll on medical tourism , its volume as well as promotion.  This is of course occurring directly in the Indian subcontinent but is also being reported as an effect as well.

Directly patients from Muslim based countries , such as Pakistan , are not only having concerns about completing or initiating therapy and therapies  but even are having trouble obtaining visas.  Muslims from other countries have concerns as well in traveling to the Indian subcontinent.

In addition there is a general fear of international travel as a result – not only to India but what might be considered “third world destinations”.  What used to be considered most safe and even quaint may not be now.

Even though attacks have occurred in all the major industrial countries – be it the US with 911 , Spain or the UK with the tunnel bombings , some medical patients and their families reason that it may well be safer to “stay at home”.  The devil you know seems to be always safer and more familiar than the devil you do not.

Cost and convenience is one factor – safety and personal safety is another.  Convalescence time may be extended and prolonged and on top of that should not be stressful.

It can be said that “time heals all”.  This may well be the situation with medical tourism – the business itself , trends and image.  The initial shock will fade over time , other factors such as Que time and costs will sink back into place.  In the end things will be as they begun.

As of Dec 21 it has been said that the two hotels targeted in last month’s terror attacks reopened Sunday amid tight security.

The Trident hotel was reopened with a multi-faith ceremony. Later in the day, the nearby historic Taj Mahal Hotel also was reopened.

Mumbai hotels, in spotlight after attacks, struggle to recover – India – As the Mumbai hotels struck in last month’s terrorist attacks prepare to reopen after three weeks of repairs, competitors across the nation’s … … “Bookings at five-star hotels may have dropped by two- thirds since the attacks,” said Suresh Kumar, owner of Mumbai’s Seagull Tours & Travel agency. “Typically, most top-rated hotels are packed with business and leisure travelers around this part of the year, but this year most of them are only about a third …

The Middle Seat Terminal : How Will Mumbai Terrorism Affect Indian … – While they expect some downturn in travel related to the terrorist attacks in Mumbai, industry observers say recent experience shows tourist traffic usually rebounds over the long term following such incidents.

India Travel Alert – Department of State Travel Advisory For India … – This Travel Alert expires on January 31, 2009 and replaces that issued on December 4 to provide updated information regarding the security situation. The November 26 terrorist attack in Mumbai was carried out at venues …

Silobreaker: X’mas, New Year bashes low-key in Mumbai hotels … – UK Chain Hotels Market Review November 2008 | TRi Hospitality Corporate travel restrictions hit European hotels. The chain hotels of Europes major cities reported increasingly tough trading conditions this November, according to the latest … Business firms generally have a hard time justifying significant investment in security and terrorism insurance, but Indian firms are beginning to realize how important it can be after the Mumbai terrorist attacks. …

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