Indian Railways Catering and Tourism Corporation (IRCTC) is to offer you an insurance cover of up to Rs 10 lakh at a near-zero premium of 49 paise. Passengers have an option of opting the ‘Travel Insurance’ while booking train tickets through the IRCTC website.
Eligibility for IRCTC travel insurance
The online ticket booking from IRCTC website or mobile app will only be eligible to buy the insurance cover. This insurance policy covers death, permanent total disability, permanent partial disability and hospitalization expenses for injury and transportation of mortal remains following a rail accident or untoward incident, according to the IRCTC website.
The maximum cover is up to Rs 10 lakh, in which you get a cover of Rs 10 lakh for death or permanent total disability due to rail accident or any untoward incident. Coverage of Rs 7.5 lakh is available in for permanent partial disability. The Rs 2 lakh coverage for hospitalization expenses for injury is over and above the death or disability coverage. Rs 10,000 for the transportation of mortal remains.