It is common in the country to have crowds during summer holidays. Despite air travel options, most people travel by train for affordable and long journey. During this time, many times people also fall victim to the accident. Rail accidents are not new. We listen or read such news almost every day. In such a situation, if you are planning to travel somewhere by train, then definitely know about travel insurance. Online Ticket Booking App IRCTC spends you only 45 paise and gives you coverage of up to 10 lakh rupees.
Here we will tell you how you can avail travel insurance. Along with this, we will also tell you the easy ways to do insurance claim. So let’s know ..
While booking tickets on the IRCTC website, you get the option of ‘travel insurance’ by default – Self Insurance Options will be chosen. Under this, if there is an accident with you during the journey, then you are given the benefit of travel insurance. This insurance covers any type of damage in the railway accident.
You can claim insurance within 4 months of the railway accident. For this, you can file an insurance claim by going to the company’s office related to the insurance policy given by IRCTC.
After booking tickets from IRCTC, a message related to insurance policy is sent on your registered number or message, in which you have to fill the nominee details like your family member’s name, mobile number, date of birth, email and relationship. The link given is that while taking insurance, you have to fill the details of the nominee so that there is no problem in claiming the insurance after any accident.
If a passenger dies in a train accident or he becomes permanently disabled, then insurance of up to Rs 10 lakh is given.
A compensation of Rs 7.5 lakh is given on partial disability.
A assistance of Rs 2 lakh is given on serious injury.
Up to Rs 10,000 is paid for minor injuries.
These people will not get the benefit of travel insurance
Explain that the benefit of this travel insurance given by IRCTC is given only to Indian citizens. Under this, foreign nationals cannot avail benefits. At the same time, the ticket buyers from the counter and those traveling in the general compartment do not get the benefit.
