If a passenger meets with an accident while travelling on Indian Railways and loses their life, many people wonder how much compensation will be provided. In case of an accident while boarding the train or during the journey, the passenger or their family may receive compensation. However, not everyone is eligible for this benefit. Compensation is specifically provided under IRCTC’s travel insurance policy in such situations.
Accidents during train travel are common. By paying just 45 paise, passengers can get insurance coverage ranging from Rs 7 lakh to Rs 10 lakh. This is an affordable and essential safety cover that provides financial support to the passenger’s family in case of an unfortunate incident. Let’s understand what IRCTC’s rules say about this.
Who is Eligible for Compensation?
Compensation or an insurance claim from IRCTC is provided only to those passengers who have opted for travel insurance while booking their tickets online. If a passenger did not select this insurance at the time of booking (Train Ticket Booking Online), they will not be eligible for compensation.
How Much Compensation is Given?
If a passenger is involved in a train accident, the compensation amount is as follows:
Death or permanent disability – Rs 10 lakh
Partial disability – Rs 7.5 lakh
Serious injury – Rs 2 lakh
Minor injury – Rs 10,000
How to Get the Benefit of Travel Insurance?
While booking a ticket through the IRCTC website or mobile app, passengers have the option to select travel insurance. This insurance is available for just 45 paise. If chosen, it provides coverage in case of any accident during the journey.
How to Claim Insurance?
If a passenger meets with a train accident, their nominee or family members must file a claim with the insurance company within four months. Follow these steps to claim the insurance:
- Keep the insurance policy details received from IRCTC safe.
- Initiate the claim process by visiting the insurance company’s office or filling out the online form.
- Submit necessary documents such as the passenger’s ticket, identity card, medical report, and police FIR.
- Once the claim is correctly filed, the family will receive the approved compensation amount.
Why is it Important to Fill in Nominee Details?
When purchasing travel insurance, passengers must provide nominee details at the time of ticket booking. This includes:
- Nominee’s name
- Mobile number
- Date of birth
- Email ID
- Relationship with the passenger
Filling in nominee details ensures that in case of an accident, the family can receive compensation without any complications.
Who is Not Eligible for Compensation?
- Passengers travelling with a general ticket do not get insurance benefits.
- Foreign citizens are not eligible for compensation.
- Passengers who book tickets from railway counters will not receive travel insurance coverage.
Why is Travel Insurance Necessary?
If you are travelling by train, opting for travel insurance is a wise decision. It is highly affordable and provides significant financial security in case of an accident. So, next time you book a ticket online, make sure to select the travel insurance option to ensure your family’s financial protection in an emergency.