Train Travel Insurance Tips: Indian Railways is the fourth largest rail system in the world. Indian Railways transports approximately 2.5 crore passengers to their destinations every day. More than 13000 trains run on the tracks in India every day. Out of which more than 8000 trains are passenger trains. There are both reserved and unreserved coaches for travelling in railways. But most of the passengers travel in reserved coaches. Reservation in railways is either online or offline.
Offline tickets are booked from railway counters. Whereas online tickets are booked through IRCTC’s app and website. Those who book online have an advantage over those who book offline. On booking online, you also get the facility of travel insurance from Indian Railways. After taking insurance, you need to do one thing. Otherwise, your family members may face problems in making a claim.
Nominee details are required
As soon as you book a ticket online for a train journey, and at the time of booking, you tick the option of travel insurance provided by the railways for 0.45 paise, you become entitled to a claim in case of an accident during the train journey. After booking, you receive a mail in which you are also asked to fill in the nominee details.
It is important to do this work because if a passenger dies in an accident or gets seriously injured, then the nominee can get the claim amount. But for that, it is very important to register the information. Generally people do not register the nominee details. But if an accident happens then such problems can arise. The family members may have to wander here and there for the claim.
How to get the claim?
Generally, train accidents are very rare. But caution is still necessary. Recently, a train accident took place in West Bengal. All those who had travel insurance will be given a claim by the insurance companies. You get the benefit of the travel insurance given in the train only in the event of an accident.
In this, insurance of up to 10 lakhs is given. After the accident, the insurance companies give a claim of 10 lakh rupees to the family of the passenger after his death. 7.5 lakhs in case of disability. 2 lakhs in case of injury and 10000 rupees in case of minor injury.
Also read: Which AC coach has the cheapest ticket, you can book it like this
