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Exploring IRCTC Travel Insurance: How Does It Work?

Author: Team Finpage
Exploring IRCTC Travel Insurance
Monday, March 04, 2024

Curious to know how you can avail IRCTC travel insurance? Imagine you are on a train, exploring India's incredible scenery. The rhythmic sounds of the train and passing views are an adventure many enjoy every day. But what if there is a mishap or an unforeseen event that impacts your train journey? 

Now, let's understand what an IRCTC Travel Insurance is and how it works. Most importantly, let’s explore when you are covered by IRCTC travel insurance.

What's IRCTC Travel Insurance?

It's like having a safety net during your train journey. This insurance is your financial backup in case unexpected events unfold. Easy to add during your online booking, it's a peace-of-mind package.

IRCTC Travel Insurance: How It Works

Think of it as a safety feature built right into your journey. You are automatically covered when you book your train tickets through the IRCTC website or mobile app. No extra forms or steps – it's seamless protection of the pass from start to finish. 

When Are You Covered by IRCTC Travel Insurance?

Throughout your entire train journey! From the moment you book your ticket until you reach your destination, IRCTC Travel Insurance stays in effect and it has your back. 

Who Provides IRCTC Travel Insurance?

IRCTC has teamed up with trusted insurance companies, ensuring you get the highest possible coverage. It's a partnership that acts as a reliable safeguard during your travels. Check out the IRCTC web portal. When you visit it, you will find that it provides you with an option to select travel insurance. 

IRCTC Travel Insurance: How Much Does It Cover?

IRCTC Travel Insurance is like a safety shield for your train journey. In case something unfortunate happens, we hope it never does, but if it does, and you are insured, your loved ones get 100% of the sum guaranteed, which can go up to Rs 10 lakh.

What's Covered by the IRCTC Travel Policy?

This comprehensive package covers accidents during train journeys – injuries, disabilities, and even fatalities. It's your support system during challenging times. In case of an unfortunate event, contact your insurance company for the accident claim process. They're there to guide you and ensure you get the support you need.

Are There Things Not Covered under IRCTC Travel Insurance?

While insurance is crucial, it does have limitations.IRCTC's travel insurance does not cover children under 5 years of age.

Can You Cancel and Get Money Back?

The insurance premium is non-refundable if you decide to cancel your ticket. It's a commitment to your safety throughout the entire journey.

Can You Upgrade the Insurance?

Customise the insurance to match your needs and safeguard against unforeseen events. Utilise the customer service number or IRCTC app provided for assistance, and explore the option of making changes online through the insurance company's website. These steps ensure flexible and worry-free travel coverage.

Next time you book a train ticket, it may be a good idea to consider ticking the IRCTC Travel Insurance box. It's not just a checkbox; travel insurance works as a safety mechanism while you are on the move. Read and understand the terms and conditions of the insurance policy. This knowledge will guide you on what to do in case of an unfortunate event, ensuring you receive the utmost protection. With financial support that covers unexpected events, it offers an added layer of protection.

Team Finpage

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