Highlighting the importance of travel insurance, the Indian Railways Catering And Tourism Corporation (IRCTC) offers an insurance option to passengers who book tickets through its website or app. By paying an additional fee of Rs 35 paise while booking an e-ticket, passengers can apply for this insurance.
The insurance policy covers various scenarios such as death, permanent total disability, permanent partial disability, hospitalization expenses for injuries, and transportation of mortal remains following a rail accident or untoward incident, according to IRCTC.
In the event of an insured event, the nominee, insured, or legal heir can submit the necessary documents to the nearest office of the insurance company within four months. These documents include a report from the Railway Authority confirming the accident or incident, details of passengers declared deceased, hospitalized, or disabled, hospital declarations, and the nominee’s declaration as per the IRCTC portal.
For further details and specific requirements, nominees, insured individuals, or legal heirs are encouraged to visit the IRCTC website. This incident reminds passengers to consider travel insurance options to ensure their safety and financial protection during train journeys.