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What is travel insurance in IRCTC?

Have you ever come across the “travel insurance” optional add-on while booking your train tickets on IRCTC? Do you want to know more about its features, benefits, policy terms, coverage, and more? This article will attempt to shed light on the above topics. So, let us begin.

  • How does it work?
  • Benefits and features
  • Inclusions and exclusions (coverage)
  • How do I buy travel insurance with IRCTC?

How does it work?

  • The Indian Railways Catering and Tourism Corporation (IRCTC) provides the convenient option of insuring your travel with them against death, disability, robbery, theft, hospitalizations, and more at an extremely nominal premium charge of 35 paisa per passenger (now changed to 49 paisa).
  • While booking your tickets, you can simply click on the “travel insurance” check box, and your trip will be insured for up to Rs. 10 lacs. In the unfortunate event that an unforeseen event takes place, either you or your nominee will be reimbursed up to Rs. 10 lacs (as per policy terms).
  • Here, the IRCTC acts in the capacity of an intermediary, selling the insurance to the policyholder. The contract will be between the policyholder and the insurance company, not the IRCTC.

Benefits and features

Let us now talk about some of the most important features and benefits of travel insurance by IRCTC:

  • Extremely nominal premium: The IRCTC, being a government entity, subsidizes the insurance premiums for the travel insurance it disburses. The premiums are an extremely low 49 paisa per traveller.
  • High coverage: The coverage of Rs. 10 lacs is a reasonably large coverage considering the low premium rate.
  • Death benefit: A death benefit of Rs. 10 lacs is extended to the nominee in case the policyholder passes away.
  • Disability benefit: A disability benefit of Rs. 2–10 lacs (based on the extent of the disability) is disbursed to the policyholder in the event of a disability.
  • Hospitalization cover: Injuries and hospitalizations caused to the policyholder while on the trip are covered up to a sum of Rs. 2 lacs.
  • Repatriation cover: A cover of up to Rs. 10,000 is provided for body repatriation.

Inclusions and exclusions (coverage)

The following are the inclusions and exclusions of the policy:

Inclusions

Exclusions

Death caused due to accident

Disability, death or hospitalization caused due to self-injury

Partial disability caused due to accident

Suicide

Total disability caused due to accident

Disability, death or hospitalization caused due partaking drugs or alcohol.

Hospitalization of policyholder

Disability, death or hospitalization caused due to cross railway tracks

 

Mental disorders

Transportation of mortal remains

STDs, AIDS, etc

 

Radiation sickness

For a complete list of inclusions and exclusions kindly read the brochure.

IRCTC Travel Insurance Coverage Table
IRCTC Travel Insurance Coverage Table

 

How to buy travel insurance with IRCTC?

Buying travel insurance with the IRCTC is rather straightforward. You will get a click box and a prompt to buy travel insurance at the time you make your ticket payment on the IRCTC website or app. At this time, you can select the travel insurance option and be insured during your next IRCTC trip.

IRCTC travel insurance
IRCTC travel insurance

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