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IRCTC Travel Insurance: What does it cover for Indian Railways Passengers?

Author: Team Finpage
Thursday, January 11, 2024

Indian Railways is the nation's lifeline, connecting cities, towns, and villages across the vast subcontinent. With an extensive network, the railways offer a cost-effective and convenient mode of transportation for millions of passengers daily. Travelling on Indian Railways lets you witness India's breathtaking landscapes, from snow-capped mountains to lush green plains. 

While travelling, it is necessary to be well-prepared for unforeseen circumstances that may disrupt your journey. These can include delays, cancellations, or health emergencies. To moderate such risks and ensure peace of mind, IRCTC offers travel insurance as an option and not as a mandatory requirement. It is totally for passengers to decide whether they want to opt for it or not.

Understanding IRCTC Travel Insurance Coverage

IRCTC's travel insurance covers various scenarios affecting your train journey, including accidents, hospitalisation, train delays, etc. The cost of travel insurance varies based on factors such as travel distance and class of travel. You can view the premium amount during the online booking process.

Let’s understand what the IRCTC insurance coverage includes:

Personal Accidents: In the unfortunate event of an accident during your train journey, the policy provides financial assistance.

Hospitalisation Expenses: If you or your family members require hospitalisation due to an accident during the journey, the insurance covers the medical expenses.

Train Delays: IRCTC's travel insurance also compensates passengers for train delays exceeding 3 hours, providing relief during unexpected interruptions.

Loss of Baggage: In case of loss or damage to your baggage, you can claim compensation per the policy terms.

Emergency Evacuation: The policy covers the cost of emergency evacuation in natural disasters or other emergencies.

Policy Duration: The insurance policy is valid from boarding the train until you reach your


The coverage varies depending on the premium you select, so it's essential to read the policy details carefully to understand the extent of your coverage.

IRCTC Travel Insurance: How do I claim in case of an unfortunate incident? 

In an emergency, you can contact the insurance provider's customer support to guide the claims process. Keep all relevant documents and details ready for the claim.

Summing up, IRCTC's travel insurance provides:

  • An added layer of financial security and peace of mind.

  • Ensures coverage in case of accidents.

  • Covers delays and other unforeseen events.

Travel insurance from IRCTC allows you to feel confident as you embark on a journey across the beautiful landscapes the train takes you through. Sit back and enjoy your train journey!

Team Finpage

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