What is IRCTC Travel Insurance Policy and How To Claim It? Here’s All You Need To Know

In a bid to provide enhanced travel protection to passengers, the Indian Railway Catering and Tourism Corporation (IRCTC) has recently introduced a new and improved Travel Insurance Policy. This policy aims to ensure the safety and well-being of train travelers by offering coverage against unforeseen circumstances during their journeys. Here’s all you need to know about IRCTC’s Travel Insurance Policy and the process of making a claim.Source:- railmitra
Key Features of IRCTC Travel Insurance Policy:
1. Comprehensive Coverage: The IRCTC Travel Insurance Policy provides coverage for both accidental death and permanent disability. It also includes coverage for hospitalization expenses in case of an accident or injury during the journey.
2. Coverage Duration: The policy covers the insured for the entire duration of the train journey, including boarding, deboarding, and any breaks during the trip.
3. Nominal Premium: Passengers can avail of this travel insurance policy by paying a nominal premium of as low as Rs. 0.49 per ticket, depending on the class of travel. The premium is automatically added to the ticket fare during the booking process.
4. Eligibility: All Indian citizens who book e-tickets through the IRCTC website or mobile application are eligible for the travel insurance coverage. The insurance is applicable for both domestic and international train travel.
5. Instant Policy Issuance: The policy is automatically issued to the passengers on booking an e-ticket through the IRCTC platform. No separate application or documentation is required.
How to Claim IRCTC Travel Insurance:
In the event of an unfortunate incident during the train journey, passengers can follow these steps to make a claim under the IRCTC Travel Insurance Policy:
1. Immediate Reporting: Inform the incident, such as accidental death, injury, or hospitalization, to the railway authorities or onboard staff as soon as possible.
2. File an FIR: In case of accidental death, bodily injury, or any other major incident, file a First Information Report (FIR) at the nearest police station. Obtain a copy of the FIR as it will be required during the claim process.
3. Contact Insurance Company: Contact the designated insurance company mentioned on the policy certificate. Provide them with the necessary details of the incident and seek guidance on the claim procedure.
4. Submit Required Documents: Prepare the required documents, including the copy of the FIR, policy certificate, medical reports, hospital bills, and other relevant documents as specified by the insurance company. Submit these documents to the insurance company within the stipulated time frame.
5. Claim Processing: The insurance company will review the claim application and supporting documents. Once approved, the settlement process will be initiated, and the claim amount will be disbursed to the insured or the nominee as per the policy terms.
IRCTC’s Travel Insurance Policy aims to provide a sense of security to train passengers by offering coverage against unfortunate incidents. Passengers are advised to carefully go through the policy terms and conditions and understand the claim process to ensure a hassle-free experience. With the introduction of this comprehensive insurance policy, IRCTC continues to prioritize passenger safety and well-being during train journeys.
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