IRCTC Travel Insurance: If you are traveling by train, then keep some things in mind while booking tickets. With this, you will get the benefit of insurance cover up to Rs 10 lakh.
Train Travel Insurance: The biggest train accident in the last several years has happened in Balasore, Odisha. A total of 261 people lost their lives in this accident that took place on June 2. At the same time, the number of injured has reached more than 900. After this accident, the governments of Odisha and Tamil Nadu have announced compensation for the injured and those who died. With the changing times, there have been many changes in the system of ticket booking in railways. Nowadays people prefer to book through IRCTC instead of booking from the ticket counter of the railway station.
Passengers get insurance up to Rs 10 lakh
In such a situation, IRCTC provides the facility of travel insurance to passengers during ticket booking. Through this insurance, the insurance company compensates for the loss caused to the passengers in case of untoward incident. Indian Railway Catering and Tourism Corporation offers insurance up to Rs 10 lakh on payment of only 35 paise per passenger. In this, according to different eligibility in the accident, the amount of assistance is given to the injured and the family members of the deceased. In such a situation, while booking tickets, you must choose the option of travel insurance.
How to choose travel insurance-
Passengers are provided with an option to opt for this travel insurance while booking tickets through IRCTC. If you choose this option, a link is sent to your e-mail it and mobile number. By clicking on this link, you open this website and fill the information like nominee details like name, mobile number, age and relationship in it. After this, if any kind of accident happens, then later the affected passenger or nominee can claim this insurance policy.
According to Indian Railways, you get this much amount-
- If a passenger dies in a train accident, his family members get an assistance of Rs 10 lakh.
- If the passenger becomes completely disabled in this accident, then he gets an insurance claim of Rs 10 lakh.
- On the other hand, in case of partial permanent disability, an assistance of Rs 7.5 lakh will be given.
- If the person is injured, a claim of Rs 2 lakh will be received.
- If a person dies in an accident, then his family will get financial assistance of Rs 10,000 as transportation to take the dead body home.
How to claim insurance
It is worth noting that in the event of a train accident, the affected person or nominee can claim for this insurance. For this, you first go to the nearest office of the insurance company. After this, you provide the information related to the claim to the company. After this, the nominee or passenger should submit documents like Aadhaar Card, PAN Card, Hospital Bill or Death Certificate. Keep in mind that claim this claim within four months of the accident. After this, the company will soon transfer the money to your account after completing the verification process.
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