After the recent train accident in Balasore, Odisha, there has been an increased trend among people to know about IRCTC travel insurance. In this news, you will know how the claim of this insurance is taken.
The Coromandel Express train accident in Balasore, Odisha has shaken the entire country. Since then, there are many questions regarding the information about travel insurance of IRCTC among the common people across the country. For example, does this insurance work only in train accident, does it get benefit only on death and is it necessary to fill the details of the nominee? Answers to all your questions will be found here.
Let us tell you that IRCTC travel insurance is available only on online tickets. For this, a premium of 35 paise per passenger is charged. Insurance cover is not available for children below 5 years of age, as their ticket is free. This insurance is optional and is available only for Indian citizens.
Does insurance work only in case of train accident?
If you are thinking that train travel insurance is useful only at the time of accident, then we correct your information. The benefit of travel insurance comes in handy in the event of a terrorist attack on the train, robbery or robbery, riot or arson and shoot-out on the train or in the train.
Insurance cover is available between the starting station of the train to the destination station, in addition to any of the incidents mentioned above, in case of accidental fall from the train and accident due to train collision.
Is travel insurance cover available only for death?
This train travel insurance cover of IRCTC gives an insurance cover of Rs 10 lakh in case of death of the person under any of the above mentioned circumstances. Apart from this, Rs 7.5 lakh is covered in case of permanent disability, Rs 2 lakh for treatment and hospitalization in case of injury, Rs 10,000 for transportation cost of dead body or remains.
How to claim if there is no nominee details?
In IRCTC’s travel insurance, there is a direct contract between the passenger and the insurance company. Therefore, on every trip, when you take travel insurance, you have to provide nominee details. For this, you receive an SMS, which contains a link to fill the details. Now suppose you forget to fill the details of the nominee, what will happen then?
Even if you have forgotten to fill the details of the nominee, you still get the claim for the insurance cover. But in that case this claim goes to your legal heir.
