Its good that you're planning to purchase a travel insurance in India prior to your trip. My friend, who recently returned from the USA after a 4 month trip, safeguarded himself by availing of a travel insurance plan by Bajaj Allianz, which protected him against loss of baggage, flight delays, medical expenses and even loss of travel documents. And that too at an affordable price. You can check with them and decide a plan that suits your needs.