Indian Railways has issued Free Accidential Insurance for tickets booked Online upto 10 lakh for tickets booked Online.
OPTIONAL TRAVEL INSURANCE FOR E-TICKET PASSENGERS
1.Insurance policies are contractual obligations between the Insurance company/ies &the passenger. In case, passenger opting for insurance, the claim/liability shall be between passenger and the Insurance Company.
2.The Insurance Company is responsible for policy issuance and claims settlement.
3.All the correspondence by policy holder should be made directly with the Insurance Company on their toll free no. , official E Mail IDs or offices as mentioned in policy document. No correspondence to be made with IRCTC in this regard
4.IRCTC only provides linkage to transact with Insurance Company through its website to take insurance cover and as such assume no responsibility or liability in respect of said policy, under any circumstances.
5.All information provided on the website is provided “As is“ and with no warranties.
This Policy the Schedule and any Memoranda thereon shall be considered one document and any word or expression to which a specific meaning has been attached in any of them shall bear such meaning throughout.
B. Terms & Conditions
1.The scheme is applicable only for Indian Citizens
who book their e-ticket through NGeT Website Application only. Citizen of foreign countries are not eligible for this scheme.
2.The scheme is optional, however if the option is exercised it will be compulsory for all passengers booked under one PNR number.
3.The premium is Re. 92 paise per passenger inclusive of all taxes.
4.Customer shall receive the policy information through SMS and on their registered email IDs directly from Insurance Companies along with the link for filling nomination details. However, Policy number can be viewed from Ticket booked history at IRCTC Page.
5.After the booking of ticket, the nomination details to be filled at respective Insurance Company site. If nomination details is not filled then the settlement shall be made with legal heirs, if the claim arises.
6.The coverage for the policy shall be for each passenger under the PNR in case of Death, Permanent Total Disability, Permanent Partial Disability,
and Hospitalization Expenses for Injury and Transportation of mortal remains followingRail Accident or untoward incident.
7.The optional travel insurance will not be provided for the children below 5 years of age.
8.In case of passenger opting for insurance, the claim/liability shall be between insured and the Insurance Company.
9.In case of short termination of trains due to any reason, if the passenger opts for the alternate mode of transportation arranged by railway upto the destination station, then this part of the journey of the passenger shall also be covered under the policy taken by the passenger.
10.In case of diversion of train due to any reason, the coverage shall be for the diverted route.
11.In case of vikalp train, the policy obtained by the passenger for covering this journey in the original train shall be valid in the vikalp train also.
12.Once the premium is paid by the passengers no cancellations is allowed. Accordingly, no refund of premium will be made in all cases including waitlisted ticket.
13.The coverage for Hospitalization Expenses for Injury is over and above the death/permanent total disability/partial disability
14.The Travel Insurance Scheme shall be kept uniform for all classes:DeathPermanent total DisabilityPermanent partial DisabilityHospitalization expenses for injuryTransportation of mortal remains