₹ 10 lakh insurance is available on train tickets, just one thing has to be done at the time of booking
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Insurance up to 10 lakhs at less than 1 rupee
Passengers get insurance of Rs 10 lakh on online train ticket booking. When you book tickets online from IRCTC, you get the option of train travel insurance for less than Re 1. To get this insurance, you have to choose the option at the time of booking the ticket. If you choose the insurance option then only you become entitled to get this insurance.
Why is it necessary to get this insurance on the ticket
If you opt for insurance while booking train tickets online, then you get a cover of up to 10 lakhs during the journey. In case of an unfortunate train accident, financial assistance is provided to cover the medical expenses and compensation to the dependents in case of unfortunate death. Under this insurance cover, if a passenger dies in an Indian Railway accident or becomes permanently disabled, then he or his family is given an insurance amount of up to Rs 10 lakh. If the passenger becomes partially disabled then he gets Rs 7.5 lakh compensation. On the other hand, in case of serious injury, the passenger is given an assistance of Rs 2 lakh. On the other hand, in case of minor injuries in the accident, the passenger gets a compensation of up to Rs 10,000.
How to get insurance on train ticket
If you book train tickets through IRCTC website or app, then you get this option. This facility is available only to Indian citizens. While booking the ticket, there is an option to select insurance at the bottom. You can select it by ticking it. SBI General Insurance Corporation Limited and Liberty General Insurance Limited are providing this travel insurance on behalf of Indian Railways.
How can claim
You get up to 4 months to claim this insurance. You can file a claim for insurance by going to the office of the insurance company whose insurance you have got with the ticket. One thing that is most important here is that after selecting the insurance, you must fill the name of the nominee. Filling the nomination makes the claim process easy.
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