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Train Travel Insurance: News of train accidents keep coming frequently. There is a huge loss of life and property in rail accidents. Keeping these incidents in mind, Indian Railways has provided the facility of train insurance for passengers.
The premium of this insurance is only 45 paise and it provides cover up to Rs 10 lakh. Many passengers are not aware of this insurance, due to which they are not able to take advantage of it. So today we will tell you in detail about train travel insurance.
What is Rail Travel Insurance?
While booking tickets online, the option of railway insurance comes. After choosing this insurance option, a message is sent to the passenger's mobile number and e-mail ID. This message contains the name and certificate number of the insurance company which is very useful at the time of claim. Apart from this, the insurance company also has a helpline number from where inquiries can be made. This message contains the name and certificate number of the insurance company which is very useful at the time of claim. Apart from this, the insurance company also has a helpline number from where inquiries can be made.
Now the question arises that when to get insurance, whenever there is a railway accident like train derailment or collision with another train, then the benefit of rail travel insurance is available in such an accident. But if a passenger commits suicide or any other accident during the journey, then Indian Railways does not provide insurance.
All class passengers get the benefit of railway insurance. But if the passenger has bought the ticket from the counter, then he will not get the benefit of insurance. That is, insurance is available only on online ticket booking. Apart from this, insurance for children is not available on half ticket also.
The benefit of travel insurance is available only to passengers with confirmed tickets. This means that waiting ticket holders do not get the benefit of this insurance.
When can a claim be made?
- In case of death of a railway passenger – Rs 10 lakh
- In case of total disability – Rs 10 lakh
- In case of partial disability – Rs 7.5 lakh
- In case of injury – Rs 2 lakh
What is the process to claim Railway Travel Insurance?
Insurance claim can be made within 4 months of the railway accident. The injured person, the nominee or his heirs can claim the insurance. For insurance claim, the person has to apply to the insurance company and submit the relevant documents.
These documents are required for claims
- There should be a confirmed accident report issued by the railway authority.
- The accident claim form must be signed by the nominee and legal heir.
- Disabled passengers must submit photographs before and after the accident.
- The passenger will have to submit documents related to hospitalization.
- The doctor's final report must be attached.
- All bills must be numbered, signed and stamped.
- An official report containing details of the passenger who died in the railway accident should also be attached.
- NEFT details and cancelled cheque also need to be submitted.