New Delhi: The need for safety and financial security for rail passengers was highlighted by a horrific incident involving a train accident in Odisha. To offer some level of insurance protection, the Indian Railways offers a travel insurance program at an affordable price of 35 paise per passenger.
Passengers should opt for travel insurance from IRCTC’s alternative, low-cost services offered on e-tickets at the time of booking. Keep in mind that you cannot choose insurance once you have purchased a ticket. However, it is not necessary to purchase travel insurance while making a reservation through IRCTC.
It is important to follow the correct procedures and submit all the required documents to receive the settlement amount of the travel insurance policy. Let us have a look at the procedures required to submit a successful claim in different scenarios.
– Use the contact information listed in your policy documents to contact your travel insurance provider immediately and let them know of the incident or emergency. Claims processing depends on this quick notification.
Follow the recommendations given by the insurance provider.
– Collect and preserve all relevant records and evidence relating to the incident including pamphlets, police reports, challans and photographs.
Contact your insurance company and give them all relevant information about the incident, such as date, time, location and type of claim.
Fill the claim form completely with all the required information.
– Collect all the evidence needed to prove your case. These can be anything the insurer specifies, such as medical records, bills, police reports, tickets for trips, expense-supporting paperwork, and proof of expenses.
Before sending the documents to the insurance provider, make photocopies or scan all of them. This will guarantee that you have a backup of all the data you provided.
– Make sure all required forms and supporting documents are included. Organize them in an orderly manner to ease the processing of insurance claims.
– Send the claim package to the insurance company through specified means, such as email, postal mail, or online claim portal. If possible, keep receipts or email confirmations as proof of submission.
– After filing your claim, keep in touch with the insurance provider to know how it is going. Keep track of any claims reference numbers offered, and keep lines of communication available to address any additional needs or questions.
– You can successfully manage the travel insurance claims process and get the financial support you need during unexpected travel emergencies by taking the right actions.