Insurance cover for train passengers via IRCTC bookings

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New Delhi: The passengers who books their tickets online via IRCTC  online official website would get the insurance cover of just premium of Rupee 1. Here are the details given below:

Also Read: Pizzas and Burgers coming soon on Trains

  • The insurance scheme will start from September.
  • 10 Lacs compensation to the families or the passenger in event of death or permanent disability and 7.5 Lacs for permanent partial disability.
  • Compensation of 2 Lacs would be given for hospitalisation expenses and Rs 10,000 for transportation of mortal remains in the event of death or injury from a train accident or other untoward incident including terrorist attacks, dacoity, rioting, shoot-out or arson, says a senior officer of IRCTC.
  • The passengers booking it online on official website of IRCTC would only be able covered under the scheme.
  • ICICI Lombard General Insurance, Royal Sundaram and Shriram General are the partners in the scheme.
  • Overall there were 19 companies who were selected but at the end only three were selected for the insurance scheme.
  • An automated system on rotation basis would be followed by these companies.
  • Train accident and untoward incident cases will be as per definition under Sections 123 read with Sections 124 and 124A of the Railways Act, 1989.


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Procedure to be followed for IRCTC insurance scheme:

During online booking, the passenger would get the option of insurance cover which is uniform for all the classes. If the passenger opts for the insurance then it would be automatically added to the ticket and then the nomination details are to be filled for the completion of the insurance procedure and also is necessary to settle on timely basis. Checking the option will make the coverage mandatory for all passengers booked under that PNR number and the premium charged accordingly. If the passenger wants to op for the insurance for the child below 5 years then the details must be filled and the travel insurance premium would be added to the total amount payable at the end of the transaction.

Also Read: No waiting list! Railways to give passengers only confirm tickets from July 1

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Insurance cover for train passengers via IRCTC bookings

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