Indian Railways is renowned for offering affordable travel to millions of passengers across the country. Trains are one of the most popular modes of transport in India due to their affordable fares and
comfortable travel experience. Beyond tickets, Indian Railways also provides one of the most economical travel insurance options.
Passengers can avail railway travel insurance for as little as 45 paise, ensuring coverage in case of accidents during the journey. In the unfortunate event of a passenger’s death in a train accident, the insurance provides a payout of Rs 10 lakh, with compensation also available for injuries and disabilities.
How To Avail Railway Travel Insurance
Railway travel insurance is an optional scheme available only when booking e-tickets through the IRCTC website or app. It is not offered when purchasing tickets at counters, and passengers travelling in general coaches are not eligible.
While booking online, passengers can select the insurance option, which costs only 45 paise. Once selected, a link from the insurance company is sent to the passenger’s registered email and mobile number. Passengers must fill in the nominee details on this link to facilitate easy insurance claims in case of an accident.
The insurance covers the full journey, from boarding the train to reaching the destination, including time spent boarding and deboarding. In case of death or total disability due to a railway accident, the insurance pays Rs 10 lakh. Permanent disability is covered up to Rs 7.5 lakh, while medical expenses for injuries are covered up to Rs 2 lakh. Up to Rs 10,000 is also provided to transport the body of the deceased to their home.
Eligibility
The scheme is available only to Indian citizens holding confirmed or RAC tickets. Passengers travelling in general coaches, children below five years of age, and foreign nationals are not eligible for this insurance.
Railway travel insurance claims can be made in the event of train accidents such as collisions or derailments, and other untoward incidents as defined under Sections 123, 124, and 124A of the Railways Act, 1989, including robbery, terrorist attacks, riots, or falling from the train. The policy does not cover personal accidents such as suicide or the loss of personal property.
