If you're booking a train ticket online, be sure to click on this option; it will be very useful in case of an accident.
IRCTC Travel Insurance: A small option can be of great help when booking train tickets online. Just be sure to click on it. Otherwise, you could face losses in the event of an accident.
IRCTC Travel Insurance: Millions of people travel by train in the country every day. Many of them book tickets online. However, most people overlook an important option when booking tickets. This option can prove to be a huge help in the event of an accident. We're talking about travel insurance, which is added for just a few rupees when booking tickets online.
Activating this option is very easy, and its benefits can be crucial in the event of an accident. The Indian Railway Catering and Tourism Corporation (IRCTC) offers insurance cover to passengers for as little as 45 paise when booking tickets. However, many people forget to take this insurance. Let us tell you how you can get it.
How to activate travel insurance
When booking a ticket and filling in your details on the IRCTC website or mobile app, an option for travel insurance appears. Many people hastily skip this box. However, this small oversight can lead to significant losses later on. Therefore, select this option every time before confirming your ticket.
Once the insurance is activated, you receive policy details via email or text message. If an accident occurs during your journey, a claim can be made using the policy number. The claim process is also very simple and can be completed online. So, the next time you book a train ticket, remember to click on the travel insurance option.
This is how much you claim
IRCTC travel insurance provides financial protection to passengers and their families in the event of an accident during a train journey. Under this insurance, a claim of up to ₹10 lakh can be received in case of death or permanent disability. In case of partial disability, an amount of up to ₹7.5 lakh is provided. While medical expenses are covered up to ₹2 lakh. This policy is issued through government-recognized insurance companies selected by IRCTC. In the event of an accident, the claim process is simple, and passengers or their families can apply online.
