To keep the passengers safe, Railways provides the facility of travel insurance while booking tickets online, which most people do not take or are not aware of. You can get a cover of 10 lakhs at a premium of Re 1.
After the accident in which three trains collided in Odisha, now the talk of travel insurance has started. Indian Railways provides the facility of travel insurance to keep its passengers safe. Whenever you book tickets online, you are given an option to choose travel insurance which we usually ignore.
But if you take this insurance then you get a lot of benefit. During the journey, if your luggage is stolen or the train crashes due to any reason , then you do not have to bear the loss, the insurance company compensates for it.
Insurance is available for less than 1 rupee
While booking tickets online, you are given the facility of travel insurance but most of the passengers do not take this facility or they are not aware of it.
Let us tell you that this insurance is valid only till the journey for which you have booked the ticket. You get this insurance at a cost of less than Re 1, in which the passenger gets a cover of up to Rs 10 lakh.
Nominee details must be filled
It often happens that we take the insurance but do not fill the nominee details by clicking on the link sent by the insurance company on your registered mobile number and e-mail ID. Let us tell you that if you do not do this, the insurance company will not be able to give the claim.
If the train meets with an accident while traveling, then the insurance company compensates the loss to the passenger. But if there is no nominee in the insurance then it will be difficult to claim the insurance.
The relatives of the deceased will get Rs 10 lakh
If the passenger dies due to a train accident, then the insurance company will pay Rs 10 lakh, if the passenger becomes completely disabled, then in that case also the passenger will get the full Rs 10 lakh. If the passenger is partially permanently disabled, he will get Rs 7.5 lakh and if injured, he will get Rs 2 lakh.
Insurance amount can be claimed in 4 months
To claim the insurance amount, you get 4 months from the train accident so that you can claim your insurance. This claim can be made by the nominee or his successor. You can claim insurance by going to the office of this insurance company and submitting the relevant documents.
