Relief of up to Rs 10 lakh in the event of a train accident: the significant impact of a 45 paisa IRCTC travel insurance.
IRCTC travel insurance: Did you know that for a little 45 paisa per passenger, IRCTC offers an optional travel insurance policy? Coverage under this policy is up to Rs 10 lakh in the event of death or permanent disability. If you die in a train accident—may God forbid—at least your family will receive the necessary financial support.
Travel insurance is essential, as demonstrated by the recent train disaster at Jalpaiguri, West Bengal, where a goods train and the Kanchanjungha Express collided. The optional insurance policy on e-tickets bought from IRCTC may still cover you if you don't have personal travel insurance. This policy, which can be offered by any of the three embanelled insurance companies, provides up to Rs 10 lakh in coverage for hospitalization, disability, and death in the event of a train disaster. Liberty Gen.
"Only CNF/RAC/PartCNF tickets have the option to purchase optional travel insurance at the time of booking. The premium, inclusive of all taxes, is 45 paise per passenger as of February 17, 2024, according to the travel insurance terms and conditions document provided by IRCTC. Regarding IRCTC train tickets, RAC stands for reservation against cancellation and CNF stands for confirmed.
When is it possible to obtain benefits from IRCTC travel insurance?
As of June 19, 2024, the Indian Railway Catering and Tourism Corporation (IRCTC) website provided the following terms and conditions for the optional travel insurance policy. These benefits are available in the event of a train accident:
- Death: Rs 10 lakh, or
- Permanent total disability: Rs 10 lakh, or
- Permanent partial disability: Rs 7.5 lakh, or
- Hospitalisation expenses for injury: Rs 2 lakh, or
- Transportation of mortal remains: Rs 10,000
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