Travel Insurance Benefits: Those passengers who book train tickets online get the opportunity to avail the facility of travel insurance of Indian Railways. In case of an accident, the family gets Rs 10 lakh as an insurance claim.
Indian Railways provides travel insurance facility to its passengers. But, often passengers ignore it instead of choosing it. But, if you choose this, your loss is compensated in case of train accident or theft of luggage. The accident of collision of 3 trains in Odisha yesterday has forced people to think about taking travel insurance seriously.
Those passengers who book train tickets online get the opportunity to avail the facility of travel insurance of Indian Railways. But, there are very few people who choose the railway travel insurance option. The reason is that they are not aware of it. In this insurance which is available for less than Re 1, the passenger gets a cover of up to Rs 10 lakh. If you opt for travel insurance while booking the ticket, then if the passenger suffers any kind of loss due to a train accident, it will be compensated by the insurance company.
Train travel insurance for less than Re 1
When you book tickets online, there is an option for Railway Travel Insurance on the website and app, which can be selected by ticking and in return, 35 paisa + applicable GST rate (tax) has to be paid as premium.
After adding taxes etc. this price comes to less than approximately Re 1. On selecting the insurance option, a link will be sent to the registered mobile number and e-mail ID. This link is sent by the insurance company. By visiting this link, you must fill the details of the nominee there. Because it is easy to get an insurance claim only if there is a nominee in the insurance policy.
The family members of the deceased get Rs 10 lakh in the accident
If there is railway travel insurance, then if any accident occurs during the journey, then the insurance company compensates the loss of the passenger due to the railway accident. The insurance amount is paid according to the loss suffered by the passenger in the accident. If a passenger dies in a train accident, Rs 10 lakh is given as insurance amount.
Even if a railway passenger becomes completely disabled in an accident, the insurance company pays him Rs 10 lakh. At the same time, in case of partial permanent disability, Rs 7.5 lakh is available and in case of injury, Rs 2 lakh is available as hospital expenses.
You get 4 months time to make claim
If a train accident occurs, the injured person, nominee or his heir can make an insurance claim. Insurance claim can be made within 4 months of the train accident. You can submit the application for insurance claim by going to the office of the insurance company and also have to submit the relevant documents.
