IRCTC News: Railways gives insurance of Rs 10 lakh just paying Rs 1, do you know about it? Know full details in this story.
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More than half of the country's population travels by train but do not know about the travel insurance available during the journey. The reason is that either we book our ticket from a broker or the broker does not give us information about such a facility.
That’s why; today we will tell you in our news that Railways gives ten lakh rupees insurance for paying one rupee only.
Most of us travel by train, but do not know about the travel insurance available during the journey. The reason is that we book our tickets through a broker or the broker does not give us information about such facilities. Even if we book the ticket ourselves, we ignore the insurance option due to the hassle of filling the details. Let us tell you that IRCTC provides insurance cover up to Rs 10 lakh to its passengers, that too at a price of rupee 1 only.
This facility is provided to those passengers who book tickets online. Whenever you book a ticket on the IRCTC website, you can see the option of 'Travel Insurance' on the front window itself. This insurance is meant to compensate for any loss incurred in a train accident. While booking the ticket, you have to click on it and fill some details. After that you get registered under this insurance. Check out here the details of insurance provided by IRCTC.
Any passenger who books a ticket for travel through IRCTC website or app can avail this insurance facility. In addition, but only Indian citizens get the benefit of this facility, foreign citizens do not come under its provision. Let us tell you, many Indian flight ticket booking websites also offer this kind of insurance service, but their premium is much higher in comparison to Indian Railway.
If you choose the option of this insurance, then if any of valuables goods are lost during the journey, then the insurance companies compensate you for that lost luggage. Apart from this, if unfortunately you meet with an accident, you get financial help in covering the medical expenses and in case of unfortunate death, compensation is provided to the dependents (passenger).
Under the Railway Travel Insurance facility, if a passenger dies or becomes permanently disabled in a train accident, an insurance amount of up to Rs 10 lakh is given. If the passenger becomes partially disabled, he is given Rs 7.5 lakh as compensation. In case of serious injury, an assistance of Rs 2 lakh is given and in case of minor injury, passengers get up to Rs 10,000 from the Railways through in insurance policy.
Insurance claim can be made within 4 months of the train accident. For this facility provided by IRCTC, you can file a claim for insurance by going to the office of the insurance company from which you have purchased the insurance.
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Keep in mind that while buying insurance, you must fill the name of the nominee, so that in case of any untoward incident, then there will not any problem in claiming the insurance.
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