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We all have travelled with Indian Railways at least once in our lifetime. The Indian Railway Catering and Tourism Corporation (IRCTC) is the platform that millions of people use when they want to travel by train in India.
IRCTC provides "IRCTC Travel Insurance" in order to improve the travel experience and guarantee the security of its customers. For a little fee of just 35 paise, this optional insurance covers protection up to 10 lakh rupees.
The cost-effectiveness of IRCTC Travel Insurance is among its most alluring features. This insurance is affordable for all travellers, regardless of their budget, because it is just 35 paise! This minimal price makes it an appealing option, especially considering the high coverage it offers.
IRCTC Travel Insurance offers coverage up to 10 lakh rupees in the unfortunate case of an accident or catastrophe while travelling by train. Hospitalization costs, transportation of mortal remains, death or permanent entire disability, permanent partial impairment, and other incidents are all covered by this policy.
Eligibility criteria:
Through the IRCTC site, only Indian citizens are eligible to purchase this IRCTC travel insurance. It is to note that the insurance is completely optional and covers all classes of travel.
Please note it is highly advisable to read and understand the complete policy on the official website or official sources as it might be subject to change and contain a lot of crucial terms and conditions.
What will be covered under this insurance policy?
1) Deaths in accidents or any permanent disability
100% of the insured sum will be given to claimants if a passenger dies within a year of an accident-related bodily injury sustained during the journey. A Rs 10,00,000 sum would be granted in the event of death as per the policy.
2) Partially permanent disability
The insured passenger is entitled to receive Rs. 10,00,000 if an injury incurred during the course of travel causes permanent entire disability within 12 months of the accident. However, to get a 100% insured sum there are certain terms and conditions as per the policy.
3) Hospital expenses for any injuries
If an injury suffered during the trip causes a permanent partial disability within a year of the incident, the insured individual is entitled to compensation of Rs. 7,50,000. However, as stated in the travel insurance policy, the amount that is actually made accessible will vary depending on the travellers' health.
4) Hospitalization costs
The insurance plan will pay up to INR 2 lakhs in medical costs for the treatment of an accident that occurred during the trip.
5) Transporting the mortal remains
The insurance company will pay Rs 10,000 for the transportation of the insured passenger's mortal remains to their residence, a cremation or burial site, or another location specified in the policy.
Please note it is highly advisable to read and understand the complete policy on the official website or official sources as it might be subject to change and contain a lot of crucial terms and conditions.
How to avail?
The process of obtaining IRCTC travel insurance is easy and hassle-free. Passengers have the choice to add travel insurance when purchasing a railway ticket through the IRCTC website or app. Passengers get their coverage for the entire trip by paying the small charge of just 35 paise.
It is important to note that passengers cannot choose it after making a reservation. When purchasing a ticket on the official IRCTC website, it must be done then and there.
Please note it is highly advisable to read and understand the complete policy on the official website or official sources as it might be subject to change and contain a lot of crucial terms and conditions.
How to claim?
- The insured passenger must update all the information regarding their nominee in order to make a claim.
- If someone wants to get benefits, they must submit the specifics of the incident and claim to the insurance provider's office that is closest to them.
- A period of four months from the incident is given to claim and provide all the required documents and details.
- The firm will pay the claim to the insured person's heir, executor, or other legally recognized representative if there is no nominee, the insured person is disabled, or the insured person has passed away.
Please note it is highly advisable to read and understand the complete policy on the official website or official sources as it might be subject to change and contain a lot of crucial terms and conditions.
Two non-life insurers, SBI General Insurance Company Limited & Liberty General Insurance Company Limited, are in charge of providing the insurance coverage. The disastrous train accident in Odisha last month, which resulted in the deaths of 288 passengers and over 1,000 injuries, may have contributed to this move, according to the railway official.
It is strongly advised to purchase travel insurance even though it is not required for Indian train travel. IRCTC Travel Insurance is essential for making sure that travellers are safe and secure. In the event of an unforeseen incident, it offers travellers' families financial protection. In the event of an accident or medical emergency during the trip, this extra layer of security can offer peace of mind and lessen the financial strain.
