Travel Insurance: If you are also going out by train, then you must know about the travel insurance available during the journey. You get it for just 45 paise and it gives coverage up to Rs 10 lakh.
Travel Insurance: India has a very large rail network, through which a large population of the country travels. These days children’s school holidays are going on. Many people are planning to travel during the children’s summer vacations. Trains are running full. In such a situation, if you are also going out by train, then you must know about the travel insurance available during the journey. Nowadays most of the people book trains through IRCTC, but they are not aware of the travel insurance available on it. IRCTC gives you travel insurance of up to Rs 10 lakh for just 45 paise. Know how to get its benefit.
Know how to get the benefit
You can avail this insurance from IRCTC only if you have chosen the insurance option while booking the ticket. Whenever you book a ticket on IRCTC’s website, you get to see the option of ‘Travel Insurance’ on the front window. This insurance is for compensation of any kind of loss caused in a train accident. You have to fill some details by clicking on it while booking the ticket. After that you get registered under this insurance. Keep in mind that those who buy tickets from the counter and those who travel in general do not get the benefit of this insurance.
Compensation as per the loss
Under the Railway Travel Insurance facility, if a passenger dies in a rail accident or becomes permanently disabled, then an insurance amount of up to Rs 10 lakh is given. If the passenger becomes partially disabled, then he is given Rs 7.5 lakh as compensation. At the same time, if a passenger is seriously injured, an assistance of Rs 2 lakh is given and if the passenger is slightly injured, the railway gives up to Rs 10 thousand.
How can you make a claim
Only Indian citizens can avail the benefit of this travel insurance provided by IRCTC, foreign citizens are not covered under it. You can claim for insurance within 4 months of the train accident. For this facility provided by IRCTC, you can go to the office of the insurance company from which you have purchased the insurance and file a claim for insurance. Keep in mind that while purchasing the insurance, you must fill in the name of the nominee, so that in case of any untoward incident, he/she does not face any problem in claiming.
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