Unforeseen circumstances can disrupt even the most stringent ideal plans when travelling, whether for business or leisure. After all, life itself is quite unpredictable. Flight delays, baggage loss, medical emergencies, and trip cancellations are just a few examples of the challenges travellers may face. To mitigate such events’ financial and logistical impact, opting for travel insurance has become increasingly important. In India’s train travel context, the Indian Railway Catering and Tourism Corporation (IRCTC) offers an exclusive travel insurance policy for travellers.
The Indian Railways Catering and Tourism Corporation (IRCTC) would no longer give its customers free travel insurance. Even though not many people give free or paid travel insurance any thought, it is a crucial issue that needs to be addressed. The decision to purchase travel insurance has numerous advantages. Therefore, there is simply no downside. This is why, if you weren’t aware of it, you should choose train travel insurance today. That would be one of the wisest things you do today.
Train Travel Insurance Advantages
1) Your travel insurance provides you with coverage up to INR 10 lakh in the event of a railway disaster (for passing away or any permanent disability caused).
2) Insurance coverage of INR 7.5 lakh is provided in the event of permanent incapacity. This is on top of the INR 2 lakh in hospital costs.
3) The insurance covers accidents, theft, and looting.
IRCTC Train Travel Insurance Eligibility
1) Any traveller purchasing an electronic train ticket through the IRCTC website or mobile app can purchase (optional) rail travel insurance for just 68 paise. A similar regulation is followed by Indian airlines as well, although the payout is much more.
2) This travel insurance is not available for children under five.
3) Foreign applicants are not permitted to apply for this insurance; only Indian citizens may apply.
You will receive an email and a message from the insurance company with the policy documentation once you have paid for your ticket and insurance.
How Can You Receive Your IRCTC Insurance Funds?
Passengers can file a compensation claim in case of a train disaster or mishap with the IRCTC, which partners with the nation’s top domestic travel insurance companies. While submitting a claim, you can contact any of these.
While embarking on train journeys within India, opting for IRCTC travel insurance can bring you peace of mind and financial protection against various uncertainties. This insurance policy offers affordable premiums and comprehensive coverage, including accidental death, permanent disability, and medical expenses. Furthermore, the ease of purchasing the policy during the online ticket booking process and the efficient claims settlement system make it a hassle-free option for travellers. By choosing IRCTC travel insurance, you can ensure a smoother and worry-free journey, allowing you to focus on enjoying the experience and creating unforgettable memories.
A travel insurance premium calculator is a convenient tool you can utilise online to check the coverage needed based on your requirements.
Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.