Not much time has passed yet. About two months ago, a horrific train accident took place in Balasore, Odisha. About 275 people had died in that accident, while several hundred people were injured. Train accidents may have reduced a lot, but its apprehension can never be completely eradicated.
Apart from train accidents, many other accidents happen during the journey in railways. You too must have experienced it many times during the journey or unfortunately you must have also become a victim.
Lessons can be learned from these incidents
If we look at small and big railway accidents together, then the picture of the accident becomes horrifying. The report of the National Crime Records Bureau for the year 2020 states that there were more than 13 thousand train accidents in a year and 12 thousand passengers lost their lives in them.
Since then till now the railways have brought down a lot of accidents. The government provides security to the railway passengers in many ways regarding the accidents that happen while traveling by railways. The recent Kavach system has reduced accidents, but even after that big accidents like Balasore still happen.
The cost of this insurance is very nominal
In such a situation, the question arises that what should the passengers do to maximize their safety while traveling by railways? Today we will answer this question of yours in detail, but before that let us ask you one more question. In today’s world, do you get anything for 50 paise?
In many places, shopkeepers and tempo-rickshaw pullers refuse to even accept a Re 1 coin. Means when the value of 1 rupee is so less, then what is the use of 50 paise! And when 50 paise has no value left, you can get adequate security for your railway journey for just 35 paise.
Option while booking ticket
IRCTC offers travel insurance policy to all passengers traveling by railways. Whenever you book a trail ticket, the option of this policy is available from IRCTC. It is possible that you have never paid attention to it, or have taken it lightly even after seeing it, but today after knowing about its benefits, your perception may change.
Class doesn’t matter
To avail the coverage of this travel insurance policy being provided by IRCTC, you will have to spend just 35 paise. In this travel insurance policy, equal coverage is available for every class. Whether you are booking a First AC or Sleeper ticket, you will have to pay just 35 paise and then under this policy you will get a security cover of up to Rs 10 lakh.
The benefits of coverage are available according to the situation under the travel insurance policy of IRCTC. Know here in which situation how much coverage is available under insurance…
| Situation | Coverage (in Rs.) |
| death in accident | 10 lakh |
| permanent total disability | 10 lakh |
| permanent partial disability | up to 7.50 lakh |
| hospital treatment of injury | up to 2 lakh |
| transportation of dead body/remains | up to 10 thousand |
In which cases the benefit is available
In this insurance policy, apart from rail accidents, there is also the benefit of coverage in many other circumstances. Suppose terrorists attack your train, or a gang of dacoits raid and take away all the loot, or the train comes under the grip of rioters… you will get the benefit of insurance.
Who does not get benefit
To take advantage of this policy, you have to select the insurance option while booking the ticket. To take advantage of this policy, it is necessary to be an Indian citizen. The benefit of this insurance is not available in the case of children below 5 years of age.
How to select this insurance
When you start booking train tickets, then you will get the option to select the insurance. If you select the option, then 35 paise of premium will be added to the total fare of the ticket. Once selected, insurance is selected for all the tickets of single PNR and for each ticket, money is charged according to 35-35 paise.
There is no option to cancel once the payment is done. After the payment is completed, a link comes on your mobile number and email from the insurance company, with the help of which you can add a nominee.
How is this insurance claimed?
God forbid that you ever need to make a claim, but be aware. Right now 3 companies are providing insurance for IRCTC. If an accident happens, contact the company whose insurance you have got. Since train accidents are prominently covered in the news, such news can be of use to you. In case of death, the nominee can claim insurance.
Travel insurance reduces the risk of fraud to medical emergency during travel, know its 5 benefits
