Activities such as trekking or rafting are specifically excluded but can be added on for supplement. Frequent travellers may benefit from annual insurance policies. If you need to claim, then you must have a police report in the case of theft or loss, and supporting evidence of medical treatment in the form of bills. The important thing is to keep your resistance high. The most crucial thing is what you eat and drink.
Poor diet lowers the resistance.
You should always eat balanced food. One of the main reasons of illness is the water which is not safe to drink in India. You should not drink tap water although it is chlorinated. In Idia bottled water is easily available but you have to check whether the seal is intact. Apart from this, one should always carry a small medical kit with him.