railway passenger safety

₹10 lakh coverage at just 45 paise premium Available only for confirmed and RAC e-tickets Covers death, disability, and medical costs in accidents Indian Railways, known for providing affordable travel, is also offering passengers an incredibly low-cost insurance scheme. For just 45 paise, travelers booking tickets online through IRCTC can secure insurance coverage worth up to ₹10 lakh. The scheme is optional and applies only to passengers with confirmed or RAC e-tickets. It is not available for those traveling with general coach tickets or tickets purchased at railway counters. Children below five years of age and foreign nationals are also excluded from the scheme. The coverage is comprehensive. In the unfortunate event of death in a train accident, the nominee receives ₹10 lakh. In cases of total permanent disability, the insured is entitled to the same amount. For partial permanent disability, the payout is ₹7.5 lakh, while injuries requiring medical treatment are covered up to ₹2 lakh. Additionally, up to ₹10,000 is provided for transporting the deceased passenger’s body. The insurance remains valid from the start of the journey until the passenger reaches the destination station, covering boarding, travel, and de-boarding. Incidents such as derailments, collisions, terrorist attacks, riots, robberies, or accidental falls from trains are included under the policy. However, personal acts like suicide or loss of baggage are not covered. To opt in, passengers simply select the insurance option while booking tickets on the IRCTC website or mobile app. Once selected, a link is sent to the registered email and mobile number, where nominee details can be updated with the insurer. This ensures smoother processing in case of a claim. Union officials note that nearly all online ticket buyers are now opting for the scheme due to its affordability and high coverage. For the cost of less than a rupee, passengers can secure financial protection for themselves and their families during their journey.

Indian Railways Offers ₹10 Lakh Insurance for Just 45 Paise