Travel insurance- Very few people take advantage of Railways Travel Insurance. In the absence of information, they are not able to take advantage of the special facility of Indian Railways, while in this scheme you are given insurance of Rs. 10 lakh at a premium of less than Rs. 1.
The Indian Rail Network is one of the largest rail networks in the world. Lakhs of people travel in trains operated by Indian Railways every day. Railway takes many steps for the safety and facilities of the passengers. If a passenger dies or gets injured in a train accident, then the railway also gives insurance cover to him. The sum insured can be up to Rs 10 lakh. This facility of railways is called Railways Travel Insurance.
The special thing is that railway passengers can get this insurance up to Rs 10 lakh by paying a premium of less than one rupee. Railway travel insurance is available to passengers who book train tickets online. This facility is available to every passenger, but very few people take advantage of this special facility of railways. Due to lack of knowledge about the benefits of this insurance, they ignore it.
Take insurance Like This
When you book railway tickets online, the option of railway travel insurance appears on the website. Next time you book a ticket, definitely choose the insurance option. You will only be charged a few bucks for insurance. When you select the insurance option, a link will be sent to your e-mail ID and mobile number. This link belongs to the insurance company. Go to this link and fill Nominee Details. Insurance claim is available only when there is a nominee in the insurance policy.
How Much Claim Will be Received
Railway travel insurance comes in handy in case of a train accident. The insurance company compensates for the loss. In case of train accident, the passenger gets the insurance amount according to the loss suffered. In case of death of a passenger in a railway accident, Rs 10 lakh is received as insurance amount. Even if the railway passenger becomes completely disabled in an accident, he gets Rs 10 lakh. Rs 7.5 lakh is given on partial disability. In case of injury, Rs 2 lakh is given as hospital expenses. In case of death of a railway passenger, the insurance company also pays Rs 10,000 for the transportation of the mortal remains.
How to File Claim
In case of a train accident, the insured, the nominee or his successor can claim. Insurance claim has to be filed by going to the office of the insurance company. Some paperwork has to be done for this. Insurance can be claimed within 4 months of the train accident.
