Indian Railways offers travel insurance up to Rs 10 lakh for just 35 paise; Know how to avail it

There are many benefits of traveling by train. Tickets can be booked online sitting at home, choose the seat of your choice, taste delicious food during the journey, you get toilet facilities and most importantly, travel on time.

But do you know that Indian Railways also gives insurance up to 10 lakhs for 35 paise while booking tickets for your journey?

In fact, the Indian Railway Catering and Tourism Corporation (IRCTC) is providing an insurance cover of up to Rs 10 lakh to people traveling by rail at almost zero premium of just 35 paise. In such a situation, it can be the cheapest and best insurance cover for the travelers.

How to avail the Indian Railways travel insurance

You will get the option of travel insurance while booking your train ticket through IRCTC. If you choose this option, you will be given this insurance cover. At the same time, all the passengers whose tickets will be booked through one PNR, it will be applicable to all those passengers.

According to the IRCTC website, insurance will be available for

  • Permanent Partial Disability
  • Permanent Total Disability
  • Hospitalization expenses
  • Transportation of mortal remains
  • Death during travel

How much you will get when taking the Indian Railways travel insurance

  • Rs 2 lakh cover for hospitalization
  • Rs 7.5 lakh cover for permanent partial disability
  • Rs 10,000 cover for transport of mortal remains
  • Rs 10 lakh cover for death due to train accident or any untoward incident/ Permanent total disability
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