Railway Knowledge- You get 4 months from the date of a train accident to claim the Railways Travel Insurance amount. 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.
Rail is a popular and most used means of transport in India. But, most of the passengers do not have complete information about the rules, regulations and facilities of the Railways. One such facility is Railways Travel Insurance. Very few railway passengers take advantage of this insurance, which provides cover up to Rs 10 lakh for just a few paise. In case of death or physical disability in a railway accident, a claim is given and treatment expenses are also paid.
Railway travel insurance is available to those passengers who book rail tickets online. Railway travel insurance is not available if tickets are booked from the ticket counter. Also, passengers traveling in general compartment also do not get this facility. This insurance is optional. That means, whether to take it or not depends on the passenger.
Take travel insurance like this
When online railway ticket booking is done, there is an option for Railway Travel Insurance on the website and app. Most people ignore this work option. While booking tickets, definitely choose the insurance option. Only 35 paise will be charged from you for insurance. On choosing the insurance option, a link will be sent to your email ID and mobile number. This link is from the insurance company. Go to this link and fill the nominee details there. Having a nominee in an insurance policy makes it easier to get an insurance claim.
How much will be the claim?
In case of railway travel insurance, the insurance company compensates the loss suffered by the passenger in a train accident. The insurance amount is paid according to the loss suffered by the passenger in the accident. In case of death of a passenger in a railway accident, Rs 10 lakh is given as insurance amount. Even if a railway passenger becomes completely disabled in an accident, the company gives him Rs 10 lakh. At the same time, in case of partial permanent disability, Rs 7.5 lakh is available and in case of injury, Rs 2 lakh is available as hospital expenses.
Must be a nominee
In case of a train accident, the person, nominee or his heir can make an insurance claim. Insurance claim can be made within 4 months of the train accident. One can go to the office of the insurance company and file a claim application for insurance.
