Indian Railway has come up with Travel insurance service for its e-ticket passengers. However, IRCTC offers only linkage to transact with Insurance agency via its website. It will be an optional travel insurance at 92 paise per passenger, inclusive of all taxes. Like any other insurance scheme, conditions of this should also be understood properly to make its optimum use.
So, here are some of the details which an Indian Railway Passenger should be well-versed with before taking up the scheme.
1. The Insurance Company will be responsible for policy issuance and claim settlement, and not the IRCTC. So, next time you take up the insurance, do check which company is responsible for providing it & what are procedure to claim the same, in case needed.
2. This scheme is available only for Indian citizens who will book e-ticket from NGeT (Next Generation E-Ticketing) Website Application only. Foreign Citizen are not liable to avail this scheme.
3. The policy is elective, however if the option is exercised it will be obligatory for all passengers booked below one PNR number. So make sure the number of passenger for whom you are booking the tickets. As additional cost might incurred for all the passenger which will be compulsory.
4. This policy is for Confirmed, RAC, and Wait-listed Ticket holders. And no refund of premium will be there against cancellation or non-confirmation of the ticket. Thus, make sure the conformity of the journey from your side, or else you might be wasting your insurance.
5. The travel insurance scheme will be same for all class traveler. The scheme offers a compensation of Rs. 1,00,000 in case of death or permanent total disability; Rs. 7,50,000 in case of permanent partial disability; Rs. 2,00,000 for hospitalization expenses in case of injury; Rs. 10,000 for transportation of mortal remains.
6. The cover isn't applicable for children up to 5 years of age and foreign residents, and for suburban railway journey.
7. In case of vikalp train, the policy acquired by way of the passenger for making this journey will be valid inside the vikalp train additionally.
8. In case of diversion of route due to any motive, the insurance shall be for the diverted direction.
9. Passenger will get their insurance details through SMS and email on their registered phone number & email ID respectively. It will be send directly by Insurance Company alone with the link to fill nomination details. Yet, policy number can be viewed from ticket booking history of IRCTC page.
10. When ticket is booked, the nomination details is to be filled at respective insurance company website. If nomination info is not filled then the agreement will be made with heirs, if the claim arises.
So, next time you book a ticket from IRCTC website make sure you are well-versed of all the above pointers. As most of the scheme says, ‘read the offer document carefully before investing.’ Happy Ticket booking & Safe journey!!
So, here are some of the details which an Indian Railway Passenger should be well-versed with before taking up the scheme.
1. The Insurance Company will be responsible for policy issuance and claim settlement, and not the IRCTC. So, next time you take up the insurance, do check which company is responsible for providing it & what are procedure to claim the same, in case needed.
2. This scheme is available only for Indian citizens who will book e-ticket from NGeT (Next Generation E-Ticketing) Website Application only. Foreign Citizen are not liable to avail this scheme.
3. The policy is elective, however if the option is exercised it will be obligatory for all passengers booked below one PNR number. So make sure the number of passenger for whom you are booking the tickets. As additional cost might incurred for all the passenger which will be compulsory.
4. This policy is for Confirmed, RAC, and Wait-listed Ticket holders. And no refund of premium will be there against cancellation or non-confirmation of the ticket. Thus, make sure the conformity of the journey from your side, or else you might be wasting your insurance.
5. The travel insurance scheme will be same for all class traveler. The scheme offers a compensation of Rs. 1,00,000 in case of death or permanent total disability; Rs. 7,50,000 in case of permanent partial disability; Rs. 2,00,000 for hospitalization expenses in case of injury; Rs. 10,000 for transportation of mortal remains.
6. The cover isn't applicable for children up to 5 years of age and foreign residents, and for suburban railway journey.
7. In case of vikalp train, the policy acquired by way of the passenger for making this journey will be valid inside the vikalp train additionally.
8. In case of diversion of route due to any motive, the insurance shall be for the diverted direction.
9. Passenger will get their insurance details through SMS and email on their registered phone number & email ID respectively. It will be send directly by Insurance Company alone with the link to fill nomination details. Yet, policy number can be viewed from ticket booking history of IRCTC page.
10. When ticket is booked, the nomination details is to be filled at respective insurance company website. If nomination info is not filled then the agreement will be made with heirs, if the claim arises.
So, next time you book a ticket from IRCTC website make sure you are well-versed of all the above pointers. As most of the scheme says, ‘read the offer document carefully before investing.’ Happy Ticket booking & Safe journey!!