How IRCTC Travel Insurance Can Make Your Train Journey Safe and Secure

Train travel insurance provides financial protection for passengers against losses arising from unexpected incidents during rail journeys.


While train transport is largely safe nowadays, mishaps can still occur during long-distance trips.

Having insurance alleviates the monetary burden in such distressing situations.

How IRCTC Travel Insurance Can Make Your Train Journey Safe and Secure


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What is travel insurance for trains?

Key Coverage Offered

  1. Accident Death and Disability
    • Compensation up to Rs. 10 lakhs for accidental demise or permanent full disability
    • Major financial aid for affected families
  2. Injury Treatment Expenses
    • Up to Rs. 2 lakhs coverage for hospital charges
    • Vital to cover expensive medical costs
  3. Loss of Checked-In BaggageItemMaximum CoverageMobile, LaptopRs. 10,000Other ItemsRs. 5,000 per bag
    • Reimburses cost for misplaced or damaged luggage
    • Some restrictions on valuables apply
  4. Journey Interruption
    • Provides refund for trip cancellation due to medical events
    • Covers emergent hotel stays, meal costs etc.

Additional Benefits

  • Legal support for accident-related civil cases
  • Emergency evacuation for critical medical cases
  • Daycare treatments covered minor injuries

Who Should Purchase

  • Long-distance rail travelers
  • Senior citizens
  • Families with small children
  • Those with a medical history

Buying Tips

  • Compare premium rates across insurer plans
  • Check policy exclusions carefully
  • Opt ideal coverage amount as per trip duration
  • Save policy documents on mobile device

Securing train travel insurance ensures complete financial assistance even during rare unfortunate incidents – allowing you to undertake your rail trip without monetary worries.

The Benefits of IRCTC Travel Insurance for Train Passengers

IRCTC Travel Insurance, offered at just 35 paise per ticket, provides valuable coverage against accidents and losses during train journeys. While train travel is largely safe, mishaps can still happen. This insurance alleviates financial stress in such situations.

Some key benefits of IRCTC Travel Insurance include:

  1. Accidental Death and Disability Cover
    • Compensation up to Rs. 10 lakhs in case of death or total permanent disability caused by train accidents.
    • Vital risk protection for passengers and families.
  2. Medical Expenses for Injuries
    • Hospitalization expenses up to Rs. 2 lakhs are covered if injured during train travel.
    • Crucial support to take care of treatment costs.
  3. Partial Permanent Disability CoverCoverage AmountDisability ConditionRs. 5 lakhsTotal loss of both hands or feetRs. 2.5 lakhsLoss of one hand and one footRs. 2 lakhsTotal loss of sight in both eyesRs. 1 lakhTotal loss of sight in one eyeRs. 50,000Any other partial permanent disability
    • Flexible slabs of compensation depending on the nature of the disability
    • Provides income support for rehabilitation needs

Additional Features

  • Covers losses due to robbery, theft or accidents during train journey
  • Simple claim settlement process via mobile app and web portal
  • Affordable 35 paise premium per passenger

Who Can Purchase

  • Indian citizens book train tickets online at IRCTC website or mobile app
  • Children below 5 years without confirmed berths not eligible

Buying Procedure

  1. Select “Travel Insurance” while booking train tickets on IRCTC
  2. Pay 35 paise premium per passenger
  3. Receive SMS and email with policy document
  4. Fill nominee details on insurance provider’s portal

Opting for nominal IRCTC Travel Insurance ensures complete peace of mind and financial protection even during unfortunate incidents for rail passengers.

Let me know if you need any clarification or have additional suggestions to expand this further.

Will travel insurance cover train cancellation?

Yes, most travel insurance plans cover train trip cancellations due to covered reasons such as passenger illness, family emergencies or natural disasters. They reimburse your prepaid, non-refundable trip expenses in such situations.

Common Covered Reasons

  • Medical events: Illness, injury or death involving the policyholder or their immediate relations
  • Weather issues: Hurricanes, blizzards, floods that interrupt train journey
  • Disasters: Terrorist attack or civil unrest outbreak at destination
  • Strikes: Transportation labor unions strikes leading to cancellation

Some policies also offer cancellation protection for:

  • Quarantine requirements before/during trip
  • Jury duty obligations
  • Military deployment of passenger
  • Loses of job or job relocation

Reimbursable Expenses

Train fare, accommodation charges, prepaid tours and meal costs are some of the common expenses covered under trip cancellation benefits.

Typical Coverage Limits

  • Premium plans: 100% of trip costs reimbursement
  • Mid-range plans: $20,000 to $50,000 limits
  • Basic plans: $5,000 to $10,000 coverage

Claims Process

To recieve benefits, travellers must:

  1. Notify insurer immediately when trip is cancelled
  2. Submit cancellation proof and covered reason documents
  3. Provide original receipts and proof of non-refundable bookings
  4. Complete claim application form accurately

Securing travel insurance with generous trip cancellation benefits saves from major financial losses when unexpected covered incidents arise before or during planned train journeys.

What is the trip guarantee in train?

Train trip guarantee allows waitlisted train ticket holders to either get confirmed reservation status or full refund of ticket costs when tickets remain unconfirmed until a specified time before journey date. Offered by certain online travel agencies (OTAs), this facility ensures hassle-free rail travel without cancellation worries.


  • Peace of mind for waitlisted ticket holders to undertake journey
  • Avoids financial losses due to last minute cancellations
  • Confirmed tickets on alternate trains or different class in case waitlist status does not clear
  • Full refund provision if no upgrades available before deadline


  • Nominal convenience fee charged by OTAs for guarantee
  • Typically 1.5 to 2 times the base train ticket price
  • Extra fees applicable for changes after guarantee purchase

Eligibility Criteria

  • Only available for e-tickets booked via OTAs
  • Applicable for tickets booked under general quota
  • Not valid for tatkal or premium trains

OTAs Offering Service

OTA NameTrain Trip Guarantee Name
MakeMyTripSuper Saver Flexi Fare
GoibiboGuaranteed Train Ticket
YatraYatra Train Protect

Purchasing a train trip guarantee provides a vital safeguard for waitlisted passengers against last minute disappointments due to reservation cancellations before train departure dates.

How to claim travel insurance?

If you face incidents like luggage theft, train delays or medical events during your rail journey, you can recoup costs by filing an insurance claim under your active policy. Follow these key steps:

1. Intimate Insurance Provider

  • Inform insurer about claim within 24 hours of occurring incident
  • Provide initial details like policy number, incident date/location etc.
  • Receive claim reference number for future correspondence

2. Assemble Claim Documents

Proof TypeDocuments Required
MedicalHospital bills, treatment records, discharge summary
Baggage LossPolice report, purchase invoices, photographs
Train DelayTicket confirmation, delay certificate from Railways
Trip CancellationCancellation invoices, medical certificates

3. Submit Completed Forms

  • Find claim forms on insurance provider website or app
  • Fill accurately providing incident narrations, causes and expenses incurred
  • Attach all supporting claim documents

4. Follow Up on Claim Status

  • Track status online via insurer account or policy number
  • Provide additional details if more documents are requested
  • Clarify any discrepancies flagged during verification

5. Receive Claim Settlement

  • Amount is electronically transferred to bank account if all paperwork accurate
  • Timeline is 7-30 days depending on claim complexity and submission timeliness

Key Tips

  • Preserve originals and submit photo copies of papers
  • Highlight details tying evidence to claim circumstances
  • Retain record of all communications with insurer

Well-documented claims with clear incident descriptions get processed faster by insurers – enabling travellers recoup train travel losses seamlessly.


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