Last Update: December 30, 2022, 12:07 PM IST
It also provides insurance coverage in case of death or injury to a passenger in a train accident.
This facility is available to every passenger but due to lack of awareness and knowledge about it very few people use this special facility of railways.
The Indian Railways network is one of the largest rail networks in the world. Thousands of passengers avail this facility every day Indian Rail trains. Railways takes several measures to ensure the convenience and safety of its customers. It also provides insurance coverage in case of death or injury to a passenger in a train accident. The sum insured can be up to Rs 10 lakh. This facility of Railways is called Railway Travel Insurance.
Rail passengers can get insurance up to Rs 10 lakh by paying a premium of less than Re 1. Railway travel insurance is available for passengers who book train tickets online. This facility is available to every passenger but due to lack of awareness and information about it very few people use this special facility of railways.
When you book railway tickets online, the option of railway travel insurance pops up on the website. Next time you make a reservation, of course choose the insurance option. It costs only a minimum extra Rs. When you select the insurance option, a link will be sent to your e-mail ID and mobile number. This link belongs to the insurance company. Visit this link and fill the nominee details. Insurance claim is possible only when there is a nominee in the insurance policy.
In case of a train accident, the passenger gets compensation from the insurance according to the loss caused. Rupee. 10 lakh is paid as insurance if the passenger dies in a train accident. A railway passenger gets Rs 10 lakh even if the accident leaves him permanently disabled. 7.5 lakh is given in case of partial disability. In case of injury, hospitalization expenses are covered up to Rs. 2 lakhs. In case of death of a railway passenger, the insurance provider will additionally pay Rs 10,000 for transportation of the mortal remains of the deceased.
In the event of a train accident, the insured, the nominee or his successor can file the claim. One has to file an insurance claim by visiting the company’s office. Some paperwork will have to be done for this. Insurance claim can be made within 4 months of rail accident
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