Free Accidential Insurance for tickets booked Online

Indian Railways has issued Free Accidential Insurance for tickets booked Online upto 10 lakh for tickets booked Online.

More Details:
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

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