Are you putting yourself at risk by saving 35 paise? Know its benefits before booking train tickets

35 paise cover is very useful

While booking tickets online from IRCTC, you see the option of travel insurance at the bottom. In this, as soon as you click on ‘Yes’, you get information about insurance through SMS and email. Those who choose ‘No’ are putting themselves at risk while traveling by rail by saving 35 paise. In the train accident in Odisha, the people who had opted for this insurance of 35 paise got a security cover ranging from Rs 10,000 to Rs 10 lakh. Such passengers or their relatives can claim it within 4 months and avail it.

Do not take lightly this 35 paise insurance

When you choose this insurance of 35 paise while booking the ticket, you get the information about this insurance through mail immediately. In this email, the name of the company providing travel insurance, insurance certificate number, customer care number, email ID and helpline number are given. IRCTC has partnered with SBI General Insurance and Liberty General Insurance Limited for this. You can claim this insurance in case of death during travel or permanent partial or total disability, serious injuries etc.

how to claim

In this insurance cover, you get protection during the train journey. The policy covers Rs 2 lakh for hospitalization, Rs 7.5 lakh for permanent partial disability, and Rs 10 lakh to the nominee or legal heir in case of death of the passenger. It is worth noting here that if you take insurance, then fill the name of the nominee in it. For the claim, you have to apply within 4 months of the accident to the nearest office of the insurance company with the claim form and necessary documents. If someone has forgotten to fill the name of the nominee while taking the insurance, then his legal heir can claim for the insurance cover.