Where can I select travel insurance in IRCTC? Your this doubt will easily clear if you read this article then you have a lot of kmowledge about irctc isurances etc. So that's why you should read this full article as well as follow the points.
What is insurance in irctc?
the Indian Railway Catering and Tourism Corporation, provides insurance coverage to passengers traveling on Indian Railways through its 'Railway Travel Insurance' policy. The insurance cover is provided by the SBI General Insurance Corporation Limited and Liberty General Insurance Limited., which is the official insurance partner of Indian Railways.
The 'Railway Travel Insurance' policy provides financial protection to passengers against unfortunate incidents such as accidental death, permanent disability, and injury during their train journey. The premium for this policy is included in the ticket fare for passengers traveling by Indian Railways.
Passengers who opt for this insurance policy can avail of coverage up to INR 10 lakhs in case of accidental death or permanent disability, and up to INR 7.5 lakhs for partial disability. The policy also covers hospitalization expenses in case of injury sustained during the train journey.
Why we should choose irctc travel insurance?
IRCTC travel insurance is a wise decision for passengers traveling by Indian Railways, as it provides financial protection in case of unforeseen events that may occur during the train journey. Here are some reasons why you should choose IRCTC travel insurance:
Comprehensive coverage: IRCTC's travel insurance policy provides comprehensive coverage against accidental death, permanent disability, and injury sustained during the train journey.
Affordable premium: The premium for IRCTC travel insurance is very nominal, and it is included in the ticket fare for passengers traveling by Indian Railways.
Easy to avail: IRCTC travel insurance is easy to avail, and passengers can opt for it while booking their train tickets through the IRCTC website or app.
Hassle-free claim settlement: The claim settlement process for IRCTC travel insurance is hassle-free and can be done online through the IRCTC website.
Peace of mind: By opting for IRCTC travel insurance, passengers can travel with peace of mind knowing that they are financially protected against any unfortunate event that may occur during the train journey.
Overall, IRCTC travel insurance provides a safety net for passengers traveling by Indian Railways, and it is highly recommended that passengers opt for this insurance policy to ensure a safe and secure journey.
Can anybody take irctc insurances?
Yes, anyone who is booking a train ticket through the IRCTC website or app can opt for IRCTC travel insurance. The insurance premium is included in the ticket fare, and passengers have the option to opt-in or opt-out of the insurance coverage while booking their train tickets.
It is important to note that the insurance coverage is valid only for the specific train journey for which the ticket has been booked. In case of cancellation of the ticket, the insurance coverage also gets canceled automatically, and the premium amount is refunded to the passenger.
Passengers who wish to avail of IRCTC travel insurance should carefully read the terms and conditions of the policy before opting for it to understand the coverage and exclusions of the policy.
Where can I select travel insurance in IRCTC?
1.Passengers can select travel insurance while booking their train tickets through the IRCTC website or mobile app. Here's how you can select travel insurance on IRCTC:
2.Visit the IRCTC website or mobile app and log in to your account.
3.Select your source and destination stations, travel date, and other journey details.
On the passenger details page, you will see the option to opt-in or opt-out of travel insurance. By default, the insurance option is se2lected. If you do not wish to avail of insurance coverage, you can uncheck the box.
4.Once you have selected the insurance option, review the details and confirm your booking.
5.The insurance premium will be added to the ticket fare, and you will be prompted to pay the total amount using the available payment options.
6.After completing the payment, you will receive a confirmation email and SMS with the details of your booking and insurance coverage.
It is important to note that the insurance coverage is valid only for the specific train journey for which the ticket has been booked, and passengers should carefully read the terms and conditions of the policy before opting for it.
Is vande bharat train already have travel insurance facilities?
Yes, the Vande Bharat Express train, which is a high-speed train operated by Indian Railways, also provides insurance facilities to its passengers through the IRCTC travel insurance policy. The insurance premium is included in the ticket fare, and passengers have the option to opt-in or opt-out of the insurance coverage while booking their train tickets.
The insurance coverage provided by IRCTC travel insurance policy for Vande Bharat Express is similar to that provided for other trains, and it includes coverage against accidental death, permanent disability, and injury sustained during the train journey. The policy also covers hospitalization expenses in case of injury sustained during the train journey.
Passengers who opt for this insurance policy can avail of coverage up to INR 10 lakhs in case of accidental death or permanent disability, and up to INR 7.5 lakhs for partial disability. The claim settlement process for IRCTC travel insurance is hassle-free and can be done online through the IRCTC website.
How to claim irctc travel insurance?
To claim IRCTC travel insurance, passengers need to follow the below-mentioned steps:
Report the incident: In case of any injury or loss during the train journey, the passenger must report the incident to the railway authorities or the onboard ticket examiner (TTE) immediately.
Obtain relevant documents: The passenger needs to obtain all the relevant documents, such as the original train ticket, copy of ID proof, FIR copy (in case of theft, robbery, or dacoity), medical certificate, and discharge summary from the hospital (in case of hospitalization).
Register the claim: The passenger needs to register the claim online through the IRCTC website within 4 months from the date of the incident. The passenger needs to provide all the relevant details, such as the nature of the loss, the extent of the loss, the details of the incident, and other supporting documents.
Submit the documents: After registering the claim, the passenger needs to submit all the relevant documents online through the IRCTC website or by email.
Wait for the claim settlement: Once the claim is registered and all the relevant documents are submitted, the claim is processed by the insurance company. The claim settlement process usually takes 2-3 weeks, and the claim amount is directly credited to the passenger's bank account.
It is important to note that the claim settlement process for IRCTC travel insurance is hassle-free and can be done online, but passengers should carefully read the terms and conditions of the policy before opting for it to understand the coverage and exclusions of the policy.
Conclusion
IRCTC travel insurance is a useful option for passengers who want to ensure their safety and well-being during train journeys. The insurance policy provides coverage against accidental death, permanent disability, and injury sustained during the train journey. Passengers can opt for the insurance coverage while booking their train tickets on the IRCTC website or mobile app, and the premium is included in the ticket fare. The insurance coverage is valid only for the specific train journey for which the ticket has been booked, and passengers should carefully read the terms and conditions of the policy before opting for it. In case of any injury or loss during the train journey, passengers can claim the insurance amount by following the simple claim settlement process through the IRCTC website.
