If a passenger is injured in a train accident, he gets an insurance cover of Rs 7.5 lakh. Also, hospital treatment worth Rs 2 lakh is free. However, if the passenger dies or suffers permanent disability in an accident, his family or he gets an insurance of Rs 10 lakh.
Almost everyone who likes to travel or travels for some reason, must have come across Indian Railways, because Indian Railways transports lakhs of people from one city to another every day. If you travel by railways, then you must be aware of this special insurance service, where you can get a cover of 7 to 10 lakhs by spending just 45 paise. Whenever you book a ticket, do take this travel insurance. This can help your family financially. While booking the ticket, the passenger is given the option whether he wants to take travel insurance or not. For this, a nominal amount of 45 paise is taken from them.
How much does it cost?
If a passenger gets injured in a train accident, he gets an insurance cover of Rs 7.5 lakh. Also, hospital treatment worth Rs 2 lakh is free. On the other hand, if the passenger dies or gets permanent disability in the accident, his family or he gets an insurance of Rs 10 lakh. Please note, only those who have taken the 35 paise insurance can claim for this insurance. Please note, while booking the ticket, you should fill in the nominee’s details correctly.
How to get a claim
If an accident occurs, the passengers who have taken travel insurance while booking the ticket will get Rs 10 lakh under this insurance. However, the method of claiming it is different. Railways does not give this money, rather the company which has taken the travel insurance provides this insurance cover.
What are the rules?
Travel insurance is available only to those passengers who have booked tickets online. All the tickets booked on one PNR will get the benefit of travel insurance. Travel insurance is available only to those with confirmed and RAC tickets. The nominee or beneficiary has to claim travel insurance within 4 months of the train accident. For this, you have to go to the company that has insured you and give your details. You get your travel insurance within a few days.
