Rs 10 Lakh Insurance Coverage: How to Claim in Case of a Train Accident

IRCTC Travel Insurance offers coverage up to Rs 10 lakh through Liberty General Insurance, Royal Sundaram General Insurance, or United India Insurance companies.

Key Points:

Train Accidents and Insurance: Despite technological advancements, train accidents in India still occur, resulting in fatalities and critical injuries.

Personal accident insurance can provide financial assistance in such incidents. If personal travel insurance is not available, an optional policy can be purchased with an IRCTC e-ticket.

Cost and Coverage: For just 45 paise during e-ticket booking, travelers can avail insurance coverage. In case of death, permanent disability, or hospitalization due to a train accident, up to Rs 10 lakh is provided to the affected family.

Claiming Insurance Benefits: According to the Indian Railway Catering and Tourism Corporation (IRCTC), benefits range from Rs 10,000 to Rs 10 lakh based on the severity of the accident.

Death: Rs 10 lakh
Permanent Total Disability: Rs 10 lakh
Permanent Partial Disability: Rs 7.5 lakh
Hospitalization due to injuries: Rs 2 lakh
Transportation of Mortal Remains: Rs 10,000
Definition of ‘Train Accident’:
As per the Railway Act, incidents categorized under train accidents include:

Collisions between one or more passenger trains

Derailment of trains or their parts
Unexpected incidents directly impacting passenger trains
Terrorist actions, violent attacks, robberies, and riots at railway stations
Fires on platforms, waiting halls, or booking offices

Policy Number and Details:

Notification: Insurance companies send the policy number and details via SMS and email. These can also be viewed in the ticket booking history on the IRCTC e-ticket website.
Communication: It is crucial to share these details with family members to facilitate claims in case of an accident.

Claim Process:
The passenger or their nominee/legal heir must visit the relevant insurance company’s office with necessary documents within four months of the incident.
The insurance office will guide on required documents for the claim.

Disclaimer: Please check the official website for more information if any.

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