To keep passengers safe, Railways provides the facility of travel insurance while booking tickets online, which most people do not take or are not aware of. You can take a cover of Rs 10 lakh at a premium of Re 1.
After the accident in Odisha due to collision of 3 trains, talks about travel insurance have started. Indian Railways offers travel insurance to keep its passengers safe. Whenever you book tickets online, you are given the option to choose travel insurance which we usually ignore.
But if you take this insurance , you get a lot of benefits. If your luggage is stolen during the journey or the train meets with an accident for some reason , you do not have to bear the loss, the insurance company compensates for it.
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Insurance is available for less than Rs 1
While booking tickets online , you are given the facility of travel insurance but most of the passengers do not avail this facility or they are not aware of it.
Let us tell you that this insurance is valid only for the journey for which you have booked the ticket. You can get this insurance at a price of less than Rs 1 in which the passenger gets a cover of up to Rs 10 lakh.
Nominee details must be filled
It often happens that we take insurance but do not fill the nominee details by clicking on the link sent by the insurance company on your registered mobile number and e-mail ID. Let us tell you that if this is not done, the insurance company will not be able to pay the claim.
If a train meets with an accident while travelling, the insurance company compensates the loss suffered by the passenger. But if there is no nominee in the insurance then it will be difficult to claim the insurance.
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The relatives of the deceased will get Rs 10 lakh
If the passenger dies due to a train accident then the insurance company will pay Rs 10 lakh, if the passenger becomes completely disabled then in that case also the passenger will get the full Rs 10 lakh. If the passenger is partially and permanently disabled, he will get Rs 7.5 lakh and if he is injured, he will get Rs 2 lakh.
Insurance amount can be claimed in 4 months
To claim the insurance amount, you get 4 months from the date of the train accident so that you can claim your insurance. This claim can be made by the nominee or his heir. You can make an insurance claim by going to the office of this insurance company and submitting the relevant documents.
