If you are someone who travels by train frequently, then this blog is for you. The Indian Railway Catering and Tourism Corporation (IRCTC), gives its travellers an option to opt for travel insurance to secure their journey. This added security comes with a minimal cost and offers substantial coverage against unforeseen incidents during train travel.
With a growing emphasis on passenger safety and security, IRCTC has partnered with several insurance companies to provide this service, making it an integral part of ticket booking for many. Here we will delve into what is travel insurance in IRCTC, why it’s important, and how it can benefit travelers.
IRCTC Travel Insurance Meaning
Traveling by railway can be an exhilarating yet unpredictable experience. To safeguard passengers from unforeseen circumstances, the Indian Railway Catering and Tourism Corporation (IRCTC) has come up with a specialised travel insurance policy. This insurance not only aims to provide security but also provides peace of mind to travellers against the risks associated with rail journeys.
IRCTC travel insurance, with a value of only 49 paise, is a very small but significant addition to the booking of a train ticket. This insurance covers a value of up to Rs. 10 lakhs in case of unforeseen situations, including death or disability after a train accident, robbery, theft, and other similar situations. It's important to note that each ticket booked under the same PNR requires its travel insurance policy. This insurance option is open to all Indian citizens making bookings through the IRCTC platform, except children under 5 years of age.
IRCTC travel insurance covers a range of possibilities that could occur during a train journey. The insurance policy provides coverage for any expenses related to a train accident. Medical emergencies bring huge financial stress. But this stress can be taken care of with the IRCTC travel insurance policy. It also covers hospitalisation expenses.
In the event of accidents that result in death or severe disability, the policy aims to provide substantial financial compensation to those injured or their beneficiaries. This allows families to undergo medical treatments without much hesitation and saves a family from unnecessary financial burdens in the event of medical crises.
The coverage concerning the transfer of mortal remains if any, is also included in the IRCTC insurance policy. This acts as a sort of relief to the victim's family. It helps relieve the victim's family of the unnecessary burden of arranging transportation of the remains back home.
The process of obtaining IRCTC travel insurance is extremely convenient and affordable. It can be purchased through the insurance agent of the IRCTC. Travellers can opt for this insurance policy while booking their train tickets through IRCTC’s online portal.
Why You Should Choose IRCTC Travel Insurance?
Purchasing travel insurance while you are booking your IRCTC ticket is a wise decision that assures your safety and security. The nominal cost of the insurance policy is nothing when compared to the amount of benefits it offers. By providing coverage in the face of death, total and partial disability, and hospital expenses due to injuries, the policy ensures that the financial stress related to such events is taken care of. IRCTC insurance policy is a good way to promise the health and general well-being of its passengers.
Conclusion
To conclude, it is beneficial to take IRCTC travel insurance when travelling by train. You can get the policy at a very low rate and it provides a comprehensive cover ensuring the complete safety and well-being of its passengers. It is a wise decision to invest in this policy to safeguard your train journey.
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