In a welcome move for train travelers in India, the Indian Railway Catering and Tourism Corporation (IRCTC) has introduced an affordable insurance option, priced at just 35 paise, to provide passengers with added security during their train journeys. This initiative aims to offer travelers a sense of protection and peace of mind while reinforcing the commitment to passenger safety. Let’s explore the details of this new insurance offering.
The IRCTC’s insurance option is available for both reserved and unreserved train tickets booked through their online portal or mobile application. For a nominal fee of 35 paise, passengers can avail themselves of an insurance cover of up to Rs. 10 lakh (approximately $13,800) in the event of accidental death or permanent total disability caused by a train accident. The coverage duration spans the entire duration of the train journey, from departure to arrival.
This insurance offering is a significant step towards enhancing passenger safety and providing financial assistance to passengers and their families in the unfortunate event of an accident. The nominal premium of 35 paise ensures that this insurance is accessible and affordable for a wide range of travelers.
To avail themselves of this insurance coverage, passengers need to opt for the insurance option while booking their train tickets through the IRCTC portal or app. The insurance amount will be automatically added to the ticket fare, making the process seamless and convenient for passengers. In case of an accident, passengers or their nominees can file a claim with the insurance company within a specified time frame to receive the applicable compensation.
It is important to note that the insurance coverage offered by IRCTC is separate from the compensation provided by the Indian Railways in case of train accidents. While the railways’ compensation covers medical expenses and other immediate needs, the insurance coverage adds an additional layer of financial security for the passengers and their families.
By introducing this affordable insurance option, IRCTC has demonstrated its commitment to passenger welfare and safety. The initiative not only provides financial protection but also instills confidence in train travel by addressing concerns regarding unforeseen accidents. It is a step forward in making train journeys more secure and reinforcing the efforts to prioritize passenger well-being.
IRCTC’s introduction of an insurance option at just 35 paise offers an affordable and accessible means of securing train journeys for passengers. With a substantial coverage amount and a seamless booking process, this initiative contributes to passenger safety and provides peace of mind for travelers across India. As train travel gains further assurance and protection, the insurance option reinforces IRCTC’s commitment to enhancing the overall travel experience.
