Railway Accident – Insurance claim eligibility – Procedure to claim - Timeline

I am writing this important post after such a major accident of Agartala to Sealdah bound Kanchenjunga Express that happened yesterday, so please read this long post carefully, this information may be useful for you. 

 We often have to buy tickets from our own account in IRCTC. 

 Here many of us have a doubt that the insurance which is given at 35 paise while buying the ticket is availed only by clicking on the insurance option? 

 Let's understand this matter once in this particular situation. 

 ♻ If you take the insurance by clicking on the insurance option while buying the ticket from IRCTC account, then a mail will come to your email from the insurance company, your first task is to add the nominee by clicking on the link to update the nomination. 

 Try to nominate someone who is not traveling with you. But updating this nomination is very important to get the insurance claim right. 

 ✳ Clicking on Policy Wordings, will ask you to login with your PNR and mobile number, by doing that you will get your detailed policy, give it to your family or your nominee before the journey. 

 The policy covers the following accidents 👉 Death: 10 Lakh Total permanent disability: Rs. 10 Lakhs Partial permanent disability: Upto Rs. 7.5 Lakhs Hospitalization Expenses: Upto Rs. 2 Lakhs Tran

sport of mortal remains: Rs. 10000 

The claim must be intimated within 4 months of the train accident. 

If a person is injured/disabled as a result of an accident, and as a result dies within the next 12 months, his family can make a death claim. 

 Disability benefit will be adjusted against death claim. 

In case of a train accident, if your belongings are stolen or robbed during your journey, you can get compensation through this insurance claim. 

Besides, if there is a delay of 1-2 hours in reaching your destination in some premium trains like Tejas Express, you can get compensation through insurance claim. 

If you like this information, definitely share this post, so that it can reach more people. 

Stay healthy.