How To Claim For Indian Railways Insurance | Everything You Need To Know About Irctc Travel Insurance Before Claiming |

Indian Railways Allows Passengers To Receive Insurance Coverage Of Up To Rs 10 Lakh For Online Train Bookings Through Its Irctc (Indian Railway Catering And Tourism Corporation) E-ticket Arm. According To Irctc's Website-irctc.co.in, The Premium For This Insurance Cover Is ₹49 Paise Per Passenger, Including All Taxes. The Indian Railways Insurance Policy Is Provided To Prospective Passengers On An Optional Basis, But If The Option Is Exercised, It Is Compulsory For All Passengers Booked Under One Passenger Name Record (PNR) According To The Irctc Website.

How To Claim Indian Railways Insurance

While Booking Train Tickets Through The Irctc Website Or Mobile App, Users Can Find The Option Under The "Travel Insurance" section. The Coverage Will Be Valid From The Actual Departure Of The Train From The Originating Station To The Actual Arrival Of The Train At The Destination Station Of Railway Time.


Everything You Need To Know About Irctc Travel Insurance Before Claiming

Railway Insurance Claim Process

1. The Optional Insurance Scheme Is Only Applicable For Indian Citizens Who Book Their Tickets Through Either The Irctc Website Or Its Mobile App. Passengers Can Also Check Pnr Status, Railway Time, Train Running Status, Etc From The Website.
2. The Claim/liability Is Applicable Between The Insured And The Insurance Company If The Passenger Opts For Insurance.
3. In Case Of Death Or Permanent Total Disability, Permanent Partial Disability, And Hospitalization Costs For Injuries And Transporting Of Mortals, The Coverage For The Irctc Travel Insurance Policy Will Extend To Each Pnr Passenger Following The Rail Accident Or Incident, According To The Irctc Website.
4. The Travel Insurance Scheme Is Uniform For All Classes. Ritika Sajdeh Biography(Rohit Sharma Wife)
5. When Opting For The Indian Railways Insurance Policy, The Customer Shall Receive The Policy Information Through Sms And Registered Email Ids, Directly From Insurance Providers, Along With A Reference For The Filing Of The Appointment Details. The Policy Number Can Also Be Viewed From The Ticket History Booked On The Irctc Website.
6. After You Book The Ticket, The Details Of The Nomination Are To Be Filled At The Respective Insurance Company's Website. If Nomination Details Are Not Filled And A Claim Arises Then The Settlement Is Made With Legal Heirs According To Irctc.
7. In The Event Of Short Train Termination Due To Some Cause, If The Passenger Opts For An Alternative Mode Of Transport Arranged By Rail To The Destination Station, That Part Of The Journey Of The Passenger Is Also Protected By The Policy Adopted By The Passenger.
8. In The Case Of A Diversion Of The Train Due To Some Cause, The Coverage Applies To The Diverted Route.
9. No Cancelations Are Allowed Once The Premium Has Been Paid By The Passengers. For All Cases, However, No Refund Is Made, Including Waiting-listed Tickets.
10. Nevertheless, According To The Irctc Site, Free Indian Railways Insurance Is Not Given For Children Under Five Years Of Age.

Eligibility For IRCTC Travel Insurance

• Irctc Travel Insurance Is Only Applicable To Indian Citizens Who Book Tickets Through The Irctc Website Or Mobile App To Buy The Insurance Cover. 
• The Irctc Travel Policy Covers Are Applicable To Death, Permanent Total Disability, Permanent Partial Disability, Hospitalization Expenses For Injury, And Transportation Of Mortal Remains Along With A Rail Accident Or Unexpected Incident.
• Total Coverage Is Up To A Total Of ₹10 Lakh, In Which You Are Compensated By A Maximum Of ₹10 Lakh For Death Or Permanent Total Disability Due To A Rail Accident Or Other Untoward Event.
• A Coverage Of ₹7.5 Lakh Is Available For Permanent Partial Impairment. Approximately ₹2 Lakh Coverage Of Hospitalization Expenses For Accidents Is Above And Above Death Or Disability Compensation.

Claims Procedure & Documentation 

1. The Insured Or His Nominee Or Legal Heir Shall Apply To The Nearest Office Of The Insurance Company, No Later Than 4 Months From The Date Of The Occurrence Of The Insured Case, A Detailed Written Statement In Compliance With The Claim Form And Any Other Information Relevant To That Claim. 
2. The Insured Or His Nominee Or Legal Heir Shall Provide The Insurance Company With All Appropriate Details, Assistance, And Facts In Connection With Any Claims Thereunder.
3. Proof Shall Be Provided To The Insurance Company In Accordance With The Policy Details In Respect Of All Matters On Which The Claim Is Based.

Documentation Required: 

• In Case Of Death Claim

Submit The Filled-in Claim Form Signed By The Nominee/legal Heir With The Neft Mandate Details And Canceled Cheque With The Following Documents: 

• Report Of The Railway Authority Confirming The Train Accident Or Unexpected Incident

• Report Of The Railway Authority With The Details Dead Declared Passengers. 

• Fill Personal Accident Claim Form Signed By Nominee / Legal Heir With The Neft Mandate Details, Photo Of Nominee  & Canceled Cheque 

• Death Claims Will Be Settled Only To Nominee Declared At The Time Of Buying Indian Railways Insurance Through Irctc Portal 

• In The Case Of Disablement Claim: 

• Report Of The Accident Of The Train Or Untoward Incident To Railway Authority

• Report Of Confirming The Extent Of Disability, The Attending Doctor, Medical Bills And Prescriptions

• Filled And Signed Personal Accident Claim Form By Insured / Nominee. 

• Attested Copy Of Disability Certificate From Civil Surgeon Of The Hospital Where The Treatment Has Undergone And Copy Of Fir. 

• All X-ray And Investigation Reports And Films To Disablement. 

• Claim Form With Neft Details & Canceled Cheque Of The Beneficiary With Before & After Photographs Of Disability. 

• In Case Of Hospitalization Expenses For Injury  

    • Report Of The Accident Of The Train Or Untoward Incident To Railway Authority

    • The Discharge Summary, Hospital Bills, Medical Bills And Doctor’s Prescription  

    • Prescriptions For Medicines  

    • Diagnostic Test Reports 

    • Cash Memos/bills For Medicines Purchased From Outside 

The Claim Documents Should Be Sent To The Claims Department Of The Nearest Office Of The Insurance Company Through Which It Is To Be Carried Out. The Address Of The Insurance Company Office Can Be Acquired From The Insurance Company's Website.

Aayushi Is A Vivacious Content Writer At Railmitra That Provides Food On Train. With The Desire To Travel The World, She Loves To Explore The Gleaming Beauty Of Exotic Destinations. She Enjoys To Jot Down Her Thoughts To Entertain Her Readers With Innumerous Blogs And Articles About Beautiful Places And Bizarre Facts About India. Meeting New People, Trying Different Foods, And Exploring New Things Makes Her Contended.