MAM
How brand Dhoni will fare post-retirement?
NEW DELHI: Former Indian cricket team captain, Mahendra Singh Dhoni, announced his retirement from international cricket last week via an emotional video on Instagram.
As soon as the news broke out, social media was abuzz with his name trending on top, not only netizens but brands also paid tribute to the iconic cricketers in their style.
Brands bid farewell to MS Dhoni for making India proud
The ‘Captain Cool’ has always been a darling of brands and been able to attract audiences. He has endorsed brands across all categories. These include soap, insurance, two-wheeler, engine oil, used cars, and others. However, his brand value has taken a slight dip in the last few years. The announcement of Dhoni’s retirement brings us to the next big question – What will be the impact on the equity of brand Dhoni? Will this be the end of an era, or brands will continue to invest in Dhoni?
As per reports, between January 2019 to November 2019, Dhoni associated with 44 brands. If going by this year trend from January to March, Virat Kohli regained the top spot, while Mahi bagged the second spot in the list.
Several experts believe that his brand value might not be affected as he will continue to play IPL. The former captain also has plans to associate himself with the international leagues, which may increase the brand value, depending on the situation.
Dhoni was excluded from the Board of Control for Cricket in India’s (BCCI’s) annual contract list for October 2019 to September 2020.
Even though he retired from Test cricket in 2014, but it never impacted his brand value.
Let us closely look at how brand Dhoni has fared in the advertising world. In 2010, he topped the chart for celebrity endorsements on television during the first six months. According to the Adex survey of TAM Media Research, during the January to June period of 2010, Dhoni endorsed 24 brands on TV. As per Forbes data, Dhoni made $26.5 million (about Rs 200 crore) in 2010, and only a small portion of that payout, about $3.5 million (about Rs 26.4 crore), came directly from Dhoni's on-field play.
In 2016, his net worth was at $31 million, and brand endorsements comprised a large part of this value. His total annual earnings from brand endorsements were between Rs 120 crore to Rs 150 crore at that time.
In 2018, the Duff & Phelps’ Celebrity brand value ranking valued Dhoni at $26.9 million placing him at 12th spot in terms of celebrity brand value.
According to the same report, Dhoni was at the 9th spot with a brand value of $41.2 million in 2019. In the same year, he managed to retain the 5th spot on the Forbes India celebrity 100 lists.
TRA Research CEO N. Chandramouli feels that whenever a sportsperson retires, their brand equity does fall as they have a limited shelf-life, both on and off the field. “This will not be very different for MS Dhoni also, but he still has a successful IPL career, which will give him a continued presence on the sporting field. His endorsement value started seeing a dip about six months ago, but he will still command a strong value till his IPL days.”
Dhoni, earlier reportedly used to charge between Rs 8 – 12 crore for each endorsement. However, now experts feel this may come down to Rs 3.5 – 4 crore.
Chandramouli states, “As his visibility reduces on the field, with lesser engagements, a brand will calculate the ROI of his field presence, and associate if the ROI is justified. It is a cut-throat business and a difficult market. The endorsement value of a player is correlated to his success and presence.”
There will be brands that would want to associate with the cricketer because of the trust he has built on and off the field, and this will pay off with more extended brand associations.
According to a report by ESP Properties, sports sponsorship in India grew a healthy 17 percent to Rs 9,000 crore in 2019. As per the last year's report, there were 70 new brand endorsement deals, of which cricketers clinched 50 deals. Dhoni pulled 63 per cent of the total brand endorsements.
On the other hand, Samsika Marketing Consultants chairman and managing director Jagdeep Kapoor has a distinct view as he believes Dhoni as a brand goes beyond cricket. His core values reflect life. “He is a unique brand property. The attributes, the passion, the zest for life are traits that good brands would like to associate with,” adds Kapoor.
However, the audiences will miss the long-haired cricketer on the ground who can hit helicopter sixes and entertain them.
MAM
Worldwide Travel Insurance for Indian Travellers: How to Find a Plan Without Geographic Gaps in Your Protection
Travelling to more than one country can make insurance selection more complex, because a policy that looks broad at first may still leave certain destinations, transit points, or regions outside its scope. For Indian travellers, this can lead to gaps in cover during a medical emergency or travel disruption abroad.
Here’s a guide to understanding how worldwide coverage works, which plan types to review, and how to check for geographic exclusions before choosing a policy.
Why Geographic Coverage Matters in Travel Insurance
When travellers look for the best travel insurance, medical cover and premium often get early attention, but geographic scope matters just as much. A policy may appear broad while still limiting cover in certain countries, regions, or travel routes.
This can affect hospital access, emergency support, evacuation terms, and non-medical benefits. For Indian travellers visiting more than one destination, checking where the policy applies is an important way to avoid gaps in protection.
Types of Worldwide Travel Insurance Plans Available to Indians
Worldwide travel insurance may be available in different formats, and each one should be reviewed based on the route, trip pattern, and list of destinations.
Single-Trip Travel Insurance
This type of policy is generally chosen for one overseas journey with fixed departure and return dates. It may suit travellers visiting one country or more than one destination during the same trip. The policy still needs to be checked carefully to confirm whether every destination on the itinerary is covered during the full travel period.
Multi-Trip Annual Insurance
This type of plan may be suitable for travellers who visit different countries several times a year. It can be useful only when the policy’s covered regions match the countries included across those trips. Before choosing it, travellers should check trip duration limits, region-wise exclusions, and whether all intended destinations are covered under the annual plan.
Region-Specific Plans
Some policies are built for selected regions rather than for the whole world. These plans may be arranged by destination groups such as Asia, Europe, or broader international zones. They may be suitable in some cases, but they should be reviewed carefully if the journey includes stopovers, connecting countries, or travel beyond the listed region.
Comprehensive Worldwide Plans
These plans are usually reviewed by travellers who want broader international cover across multiple destinations. However, a plan described as worldwide may still have country-wise limits, separate terms for certain regions, or limits on healthcare access and emergency services. The wording should therefore be checked in detail before relying on the description alone.
Key Coverage Areas That Ensure Global Protection
A worldwide policy should be reviewed for the coverage points that matter when travel includes more than one country or a wider international route. These areas help show whether the plan is suitable for broader overseas travel and not limited to only a few listed destinations.
● Cover that applies to all countries listed in the itinerary, not only the main destination.
● Cover for transit stops and connecting countries that are part of the planned journey.
● Clear mention of excluded countries, restricted regions, or destinations not covered under the policy.
● Emergency medical and assistance support that remains available while travelling across different countries.
● Evacuation and repatriation terms that continue to apply during multi-country travel.
How to Check for Geographic Exclusions Before Buying
Geographic exclusions are often found in the detailed wording rather than in the headline promise of the plan. A careful review before purchase can help travellers understand whether the policy matches their travel route.
● Check the destination list in the policy schedule.
● Read whether excluded countries, sanctioned regions, or restricted zones are mentioned in the wording.
● Review whether transit stops and connecting destinations are mentioned as covered travel locations.
● Check if medical network access differs across countries even when the policy appears globally valid.
● Read whether adventure activities, cruises, or remote locations have separate geographic conditions.
● Review assistance and claim support terms to see if they apply equally across all covered destinations.
Conclusion
A travel insurance plan cannot be judged only by premium, destination label, or the word worldwide term alone. For Indian travellers, geographic scope needs close attention because exclusions and regional limits may affect how the policy works during the journey. A careful review of plan type, covered locations, medical support, and destination-specific terms may help reduce avoidable gaps.
