Now book railway tickets online to get travel insurance for just 92 paise

The Ministry of Railways on Friday in a reply to a question in Rajya Sabha extended the travel insurance scheme to those who book tickets online via the official website of Indian Railway Catering & Tourism Corporation (IRCTC) at the premium of Rs 0.92 per passenger.

“The Sums Insured to be given to passengers are as follows:- (i) In case of Death- Rs. 10 lakh, (ii) Permanent Total Disability – Rs. 10 Lakh, (iii) Permanent Partial Disability  upto- Rs. 7.5 Lakh, (iv) Hospitalization Expenses for Injury – Rs. 2 Lakh, (v) Transportation of mortal remains – Rs. 10 Thousand,” the Ministry said.

The scheme which began on September 1 provides financial support to the family or legal heir in case of death or injury of the reserved passengers due to train accident/untoward incidents.

In case of death, the Ministry said that they will provide Rs 50,000 to the victim’s family.

For ‘grievous’ injuries, the Ministry said that it will provide Rs 25,000 lump sum for hospitalisation upto 30 days and Rs 300 per day at the end of every 10 day period or discharge, whichever is earlier.

The Ministry added that for simple injuries the government will pay Rs 5,000.
In the case of ‘untoward’ incidents, the government will pay Rs 15,000.

The Ministry further added that Rs 5000 lump sum will be paid for hospitalisation upto 30 days and  Rs 1000 per week or part thereof the period for indoor treatment upto further six months of hospitalisation.

A sum of Rs 500 per week or part thereof the period for indoor treatment upto further five months of hospitalisation, the Ministry said.

“The insurance scheme is available on optional basis to passengers of all reserved classes (SL, 1AC, 2AC, 3AC etc.) of all trains except passenger trains and sub-urban trains for tickets booked online on the IRCTC websites,” the Ministry added.