Insure Your Railway Travel With Just 45 Paise For Claim Up To Rs 10 Lakh, Here's How

Train accidents are not a new thing and we see or hear about them almost daily. In an unfortunate incident on May 19, three passengers were injured when an iron pillar fell on the Shalimar Express while it was passing through Urkura railway station near Raipur, Chhattisgarh.

A railway official said that the incident took place around 9.30 in the morning when Shalimar Express was en route to Lokmanya Tilak Terminus (Mumbai). The injured passengers have been admitted to the hospital. Such incidents highlight the importance of railway travel insurance, a facility provided by the Indian Railways to compensate passengers in case of death or injury. The benefit of railway travel insurance is available only to those passengers who have taken insurance while purchasing the ticket. The insurance premium is only 45 paise and offers coverage up to Rs 10 lakh. But most of the passengers are unaware of the scheme.

Railway Travel Insurance is available exclusively to those passengers who book railway tickets online. Those purchasing tickets from the counter or travelling in general compartments do not have access to this insurance. This insurance is optional, which means whether to take it or not depends on the passenger.

If you have railway travel insurance, the insurance company compensates for the loss suffered by the passenger in a train accident. In case of the death or complete disability of a passenger in a train accident, an insurance amount of Rs 10 lakh is provided. In cases of permanent partial disability, an insurance amount of Rs 7.5 lakh is given to the passenger. At the same time, in case of injury, it offers Rs 2 lakh for the treatment expenses.

How to avail of Railway Travel Insurance?

To avail of the Railway Travel Insurance, passengers have to opt for optional insurance while booking tickets online, irrespective of their travel class. Only 45 paise will be charged to you for the insurance. On choosing the insurance option, a link will be sent to the passenger’s email and mobile number to fill out the nominee details. Having a nominee in an insurance policy makes it easier to get an insurance claim.