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Articles 1126 views April 28, 2020
The Indian Railway Catering and Tourism Corporation Limited is widely known as IRCTC was formed in the year 1999 providing an online platform to the citizens and to encourage railway as one of the mainstream modes of tourism in India. Not only this, IRCTC understands the uncertainties of life and therefore, the company also provides comprehensive insurance coverage if you are booking online and getting an e-ticket. Let us understand more about this as below.
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Indian Citizens who buy their travel tickets online through the NGeT website are eligible for the insurance. Children below 5 years of age will not be covered under this plan.
The insurance coverage is provided by insurance companies like Bajaj Allianz Insurance Company, Shriram General Insurance Company, etc.
When you are buying an online ticket by visiting the official site of IRCTC as mentioned above and after providing the necessary details, you are about to make the payment, there you will get to see the option of availing the insurance facility with a very low charge with extra Re. 49 paise for each ticket including tax. You will receive an SMS stating about the policy information and also a link in your registered email address from the insurer where you would be required to fill up the nominee details. The plan is not mandatory but will be compulsory for all travellers with their respective PNR numbers.
The policy will cover each traveller with the respective PNR in case of any death, Permanent Partial Disability or PPD, Permanent Total Disability or PTD and expenses for hospitalization for any Injury and also for the conveyance of the mortal remains due to an accident occurred in rail or any unfortunate incident. Important features to note are:
Death | Permanent Partial Disability | Permanent Total Disability | Expenses for Hospitalization for any injury | Carrying of remains of the Mortal |
---|---|---|---|---|
1000000 | 750000 | 1000000 | 200000 | 10000 |
Death | % of Benefit given |
---|---|
If in the Trip, the Insured person met with an accident and dies within 12 months from the date of accident or untoward event. | 100% of the Sum Assured is being paid to the nominee of to the legal successor |
PTD | % of Benefit given |
If in the Trip, the Insured person met with an accident and dies within 12 months from the date of accident or untoward event. | 100% of the Sum Assured is being paid to the insured person, nominee or the legal successor |
Expenses for Hospitalization | INR 2 Lakhs |
Let us see what some of the main situations when the insurance coverage will not be allowed.
The Insured person or his or her nominee or the legal must submit a detailed declaration together with other necessary documents within 4 months from the date of the accident to IRCTC. The below table will show the list of documents for making the claim.
Y- Yes/ N-No
Documents | For Death | For Disability | For Hospitalization |
---|---|---|---|
Confirmation from Railway for the accident | Y | Y | Y |
Claim Form with bank details | Y | Y | Y |
Nominee’s ID Proof | Y | N | N |
Report from railway authorities confirming about the dead passengers | Y | N | N |
Doctor’s confirmation about the disability | N | Y | N |
Medical bills | N | Y | Y |
Disability Certificate | N | Y | N |
FIR Attested copy | N | Y | N |
Investigations and reports | N | Y | N |
Photo of the insured pre and post the disability | N | y | N |
Prescriptions and receipts | N | N | Y |
Discharge Summary | N | N | Y |
Strong insurance coverage is always needed in life to make your journey safe and secure and fight against any unfortunate incident and especially when you are travelling. So, make sure, you secure yourself and your family and travel happily and hassle-free.