What’s Covered Under IRCTC Travel Insurance?

When booking train tickets through the IRCTC (Indian Railway Catering and Tourism Corporation) website or app, passengers have the option to opt in for travel insurance at a nominal cost. But what exactly does this insurance cover? Is it worth ticking that tiny checkbox while booking your ticket?

Let’s break it down in simple terms.

What Is IRCTC Travel Insurance?

IRCTC travel insurance is a low-cost travel protection policy offered in partnership with leading insurance providers like SBI General, ICICI Lombard, and Liberty General Insurance. The cost is as low as ₹0.49 per passenger, yet the benefits can be significant in the unfortunate event of an accident during your train journey.

What’s Covered Under IRCTC Travel Insurance?

Here are the key components of what the policy generally covers:

1. Accidental Death

• If the insured passenger dies due to a train accident or untoward incident (like a derailment or collision), the nominee is entitled to a compensation of up to ₹10 lakhs.

2. Permanent Total Disability

• If the passenger suffers a permanent disability (e.g., loss of both limbs, eyes), the insurance provides coverage of up to ₹10 lakhs.

3. Permanent Partial Disability

• In case of partial disability (like loss of one limb or partial vision), compensation is given up to ₹7.5 lakhs, depending on the severity.

4. Hospitalization Expenses

• Some insurance providers may cover limited hospitalization expenses for injuries resulting from the accident.

5. Transportation of Mortal Remains

• Expenses for transporting the deceased passenger’s body to their residence are covered under the policy.

What’s Not Covered Under IRCTC Travel Insurance?

While the insurance offers solid protection, there are exclusions:

• Natural death or death due to pre-existing illnesses

• Self-inflicted injuries or suicide

• Death/injury under the influence of alcohol or drugs

• Traveling without a valid train ticket or in an unauthorized coach

Eligibility Criteria

• Available only for confirmed ticket holders (excluding children under 5)

• Applicable for bookings made online via IRCTC (not available at counters)

• Valid only during the journey period specified on the ticket

How to Claim IRCTC Travel Insurance?

1. Inform the insurer within 4-7 days of the incident.

2. Submit necessary documents: FIR, medical reports, ticket details, identity proof, etc.

3. Nominee must be registered at the time of ticket booking to claim benefits in case of death.

Read this blog if you want to know IRCTC Train Insurance vs Private Travel Insurance: Which One’s Better?

Conclusion

Though often overlooked, IRCTC travel insurance offers impressive benefits for such a low premium. From financial support in case of serious accidents to coverage for medical bills, it provides peace of mind for travelers across India.

Before boarding your train, make sure to check your train schedule and PNR status using platforms like RailMitra, and don’t forget to tick that insurance box while booking. It’s a small step that could offer big support when you need it most.

FAQs

Q1. Can I choose not to take IRCTC travel insurance?
Yes, it’s completely optional and can be unchecked during booking.

Q2. Is IRCTC insurance valid for all train classes?
Yes, it is valid for all e-tickets booked through IRCTC, regardless of class.

Q3. Can I claim insurance for minor injuries?
Yes, if hospitalization is required due to a train accident, you can claim up to ₹2 lakh.

Q4. What if I didn’t enter a nominee while booking?
In such cases, the legal heir (with proof) can file the insurance claim.

Final Thoughts

For a mere ₹0.49, IRCTC travel insurance offers peace of mind during your journey. Whether you're a frequent traveler or planning a one-time trip, this optional insurance covers critical events that could otherwise cause major financial and emotional stress.

In short: it’s a small price to pay for big protection.