IRCTC Travel Insurance - A Complete Guide

IRCTC travel insurance is a low-cost travel protection cover offered by the Indian Railway Catering and Tourism Corporation (IRCTC). It is available to passengers who book train tickets online through the IRCTC website or app. This insurance protects travellers against unforeseen incidents such as accidental death, permanent disability, and medical emergencies that occur during the train journey.

The insurance is optional and comes at a very nominal premium, usually 45 paise per passenger. The IRCTC insurance amount is minimal compared to the coverage offered. Once selected during the booking process, passengers receive a policy that remains valid for the entire duration of the train travel.

This travel insurance is applicable only for confirmed e-tickets and is not available for paper tickets or unreserved travel. It is designed to give financial security to travellers and their families in case of unfortunate events, without adding to travel costs.

Low Premium, High Coverage

One of the biggest advantages of IRCTC domestic travel insurance is its affordability. The premium is remarkably low. This makes it accessible for all travellers, including those booking budget or sleeper class tickets.

Despite the low cost, the coverage is significant. Travellers receive insurance coverage of up to ₹10 lakh for death or permanent disability resulting from train accidents. This high coverage ensures that families receive financial support during emergencies. If you are exploring railway insurance policy details, this plan is a strong example of low cost with high benefits.

Comprehensive Coverage

IRCTC travel insurance offers wide-ranging protection. The policy includes compensation for accidental death, ensuring financial aid to the family of the deceased. It also covers permanent total or partial disability resulting from train accidents.

In addition, passengers are eligible for hospitalisation expenses due to injuries sustained during the journey. This comprehensive support provides a safety net for travellers, especially during long or overnight trips where risks may be higher.

Convenient Claims Process

Filing a claim under IRCTC travel insurance is simple and user-friendly. The entire process is digital, and it eliminates the need to visit any office physically. Passengers or their families can submit the claim online by uploading basic documents like travel ticket details, ID proof, and hospital or medical reports.

The insurance provider then reviews and processes the claim quickly. This convenient claims process ensures timely assistance during emergencies.

Available to All Indian Citizens

The IRCTC insurance amount applies equally to passengers of all age groups, from children to senior citizens. Passengers do not require medical tests to avail of this insurance.

Whether you travel frequently or occasionally, this plan ensures coverage without paperwork or health declarations.

IRCTC travel insurance offers financial protection against unexpected accidents that occur during the train journey. The coverage includes compensation for death, disability, medical expenses, and more.

Below is a breakdown of what the IRCTC insurance policy typically includes:

These benefits apply only if the accident occurs during the journey covered under the IRCTC booking. For example, if a passenger is injured due to a train derailment, collision, or fall from the train, they or their family are eligible for compensation as per the insured limits.

Paying a small IRCTC insurance amount gives passengers valuable financial protection throughout their journey. It ensures that the insured or their nominees get prompt assistance in case of any emergency.

While IRCTC domestic travel insurance provides valuable protection during train travel, it comes with a few important exclusions. Understanding these will help passengers avoid claim rejections and make informed choices.

• One Claim Per Incident: Only one benefit is payable for the same accident or period of disablement.
• No Double Benefits: Once a claim is paid, no other benefit will be provided, except medical costs or transport of remains.
• Self-Inflicted or Illegal Acts: No cover for injuries or death due to suicide, alcohol, drugs, or criminal activities.
• Crossing Tracks and Risky Activities: Claims arising from crossing railway tracks or adventure sports are excluded.
• Mental and Nervous Disorders: Mental conditions, strokes, or convulsions unrelated to an accident are not covered.
• Congenital and Sexually Transmitted Diseases: Illnesses like congenital anomalies, STDs, AIDS, or insanity are not covered.
• Pregnancy and Childbirth: Any claim due to childbirth, pregnancy, or related complications is excluded.
• Natural Death and Pre-Existing Conditions: No cover for natural death or illness unless triggered by a journey-related accident.
• War and Terrorism: Death or injury from war, rebellion, terrorism, or nuclear risks is not covered.
• Unconfirmed or Unused Tickets: No claim allowed if the train was not boarded or the ticket was unconfirmed.
• Non-Essential Medical Treatment: Treatments not medically necessary or not linked to the accident are excluded.
• Cosmetic and Dental Surgery: Plastic or dental treatments are covered only if needed due to an accident.
• Routine Health Check-ups: Diagnostic tests or general health check-ups are not covered.
• Physiotherapy Outside Hospitalisation: Physiotherapy is not covered unless it is part of hospital care.
• Recovery in Wellness Centres: Stay at spas, resorts, or similar recovery facilities is not eligible for claims.
• Mental Health Treatment: Costs for psychiatric or mental health treatment are not covered.
• Maternity Care: All costs related to pregnancy or childbirth are excluded.
• Congenital Conditions: Internal or external birth defects are not covered under the policy.

If you are wondering how to opt for travel insurance in an IRCTC app or website, here is what you need to do.

• Visit the IRCTC Website or App: Start by logging in to the IRCTC official website, or open the IRCTC Rail Connect mobile app.
• Book Your Train Ticket as Usual: Enter your journey details, select your train, and proceed to the passenger information page.
• Choose the Travel Insurance Checkbox During Checkout: During checkout, you will see the option for travel insurance. Tick the checkbox to opt in. The IRCTC insurance amount is usually ₹0.45.
• Accept the T&Cs and Proceed to Payment: Review the terms and conditions, and then proceed to payment. Once the payment is successful, the insurance is activated automatically.
• Receive Policy Details via Email/SMS Post Booking: After booking confirmation, you will receive the insurance policy details via email or SMS. These include the policy number, coverage, and insurer contact details.

Important Booking Tips

• Insurance applies only to confirmed tickets. If your booking is not confirmed, the policy will not be valid.
• Children below 5 years are not eligible for insurance coverage.
• If your ticket gets cancelled, your insurance policy will also be automatically cancelled. No separate cancellation needed.
• Make sure to double-check your ticket status before opting for insurance.

Choosing IRCTC travel insurance is quick and hassle-free, taking only moments while booking your ticket. It is offered to all passengers who book online via the official IRCTC website or mobile app.

To make a claim under IRCTC travel insurance, passengers must first notify the respective insurance provider about the incident within the specified time frame.

Get the following for the IRCTC insurance claim:

• The passenger’s name under the COI and details of the ticket
• KYC Details: Aadhaar Card & Pan card details of Passenger/Claimant (in case of Death claim)
• Bank account details

Initiate the claim through the insurer’s online portal or by following the claim submission process mentioned in the policy document.

After submission, the insurance company reviews the case and processes the compensation as per the coverage terms mentioned in the policy.

IRCTC travel insurance is a small addition to your ticket booking, but it offers big peace of mind - especially for families, senior citizens, and solo travellers. When you travel with elderly parents, children, or even alone, unexpected situations like accidents, injuries, or delays can be stressful and expensive. This low-cost insurance ensures you have financial protection in such cases.

For senior citizens, it adds a much-needed security during travel. Families get coverage for every member without burning a hole in the budget. Solo travellers also benefit from the assurance that help is available if something goes wrong during the journey.

Pros

• Affordable premium: The insurance costs are budget-friendly for all travellers.
• Wide coverage: It offers accidental death, disability, and hospitalisation benefits, ideal for families, solo travellers, and the elderly.
• Easy enrolment: You can opt in with a simple click while booking tickets on the IRCTC platform.
• Covers all confirmed passengers: Once selected, every confirmed passenger on the ticket is automatically insured.
• Peace of mind: It offers financial protection in case of unfortunate events during train journeys.

Cons

• Covers train travel only: It does not protect you during travel to or from the station, or after the journey.
• Limited claim awareness: Many users do not know how to file claims or whom to contact during emergencies.
• Excludes young children: Children below 5 years are not eligible for coverage.
• No customisation: The policy terms are fixed; you cannot increase coverage or add specific riders.

IRCTC travel insurance is a smart, low-cost safety net for train passengers. It offers valuable protection against unexpected travel mishaps. For less than a rupee, it delivers security, especially for families, seniors, and solo travellers. However, it comes with a limited coverage scope.

At TATA AIG, we believe travel protection should go beyond a single journey. That is why our domestic travel insurance plans are designed to safeguard you across your entire trip, whether by train, road, or air.

When you buy travel insurance online or offline with us, you get emergency accident medical expenses reimbursement for unexpected health issues during your trip. You also get assistance services like medical help, evacuation, hotel accommodation referrals, travel arrangements, legal aid, and lost luggage or document support.

You can buy travel insurance online quickly and focus on enjoying your trip without worry. Choose TATA AIG travel insurance policy and travel with the confidence of being fully protected—no matter where your journey takes you.