look news india
Travel Insurance: India has a very large rail network, through which a large population of the country travels. These days children's school holidays are going on. Many people are planning to travel during the summer holidays of children. Trains are running full. In such a situation, if you are also going out by train, then you must know about the travel insurance available during the journey. Nowadays most people book trains through IRCTC, but they are not aware of the travel insurance available on it. IRCTC gives you travel insurance of up to Rs 10 lakh for just 45 paise. Know how you will get its benefit.
Know how to get benefit
You can get this insurance from IRCTC only if you have chosen the insurance option while booking the ticket. Whenever you book a ticket on the IRCTC website, you get to see the option of 'Travel Insurance' on the front window. This insurance is to compensate for any kind of loss caused in a train accident. While booking the ticket, you have to click on it and fill some details. After this you get registered under this insurance. Keep in mind that those who buy tickets from the counter and those who travel normally do not get the benefit of this insurance.
Compensation as per loss
Under the Railway Travel Insurance facility, if a passenger dies in a railway accident or becomes permanently disabled, he is given an insurance amount of up to Rs 10 lakh. If the passenger becomes partially disabled, he is given Rs 7.5 lakh as compensation. At the same time, if a passenger is seriously injured, he is given Rs 2 lakh and if the passenger is slightly injured, he is given assistance of up to Rs 10 thousand.
How can you make a claim?
Only Indian citizens can avail the benefits of this travel insurance provided by IRCTC, foreign citizens are not covered under it. You can claim for insurance within 4 months of the train accident. For this facility provided by IRCTC, you can go to the office of the insurance company from which you have purchased the insurance and claim for the insurance. Keep in mind that while purchasing the insurance, you must fill the name of the nominee, so that in case of any untoward incident, he/she does not face any problem in claiming.
