IRCTC's insurance for rail travel: What you should know
rail travel. The IRCTC (Indian Railways Catering and Tourism Corporation) offers travel insurance for passengers, covering accidents and injuries during journeys.Eligibility Only Indian citizens are eligible for opting railway travel insurance through the IRCTC platform.
The insurance coverage extends to all classes of travel and is purely optional.How to get insurance Passengers can opt for travel insurance while booking train tickets through the NGeT website application on www.irctc.co.in or the IRCTC mobile app. They need to select the checkbox for travel insurance coverage.Insurance premium The premium for IRCTC travel insurance is a nominal amount of Rs.0.35 (inclusive of taxes) per passenger.
The premium is automatically calculated and added to the total ticket fare.Coverage details The plan provides coverage for accidental death, permanent total disability, permanent partial disability, and hospitalisation expenses resulting from train accidents or untoward incidents. The cover tenure is from the departure time to arrival at the destination station.Claim process The passenger or his nominee can file a claim by submitting the necessary documents, such as insurance certificate, medical reports and supporting evidence, to the insurer as specified in the policy.Content on this page is courtesy Centre for Investment Education and Learning (CIEL).
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