The Indian Railway Catering and Tourism Corporation has introduced travel insurance policy for Indian citizens and getting a stupendous response. You can get this travel insurance policy on the premium of 98 Paise only. There are few things regarding this policy that you must know before taking this policy. Many of us are thinking that the IRCTC Travel Insurance scheme is provided by The Indian Railway Catering and Tourism Corporation and when something misshaping will happen with you while traveling then you can claim for the Travel Insurance Cover. This is not true, actually, IRCTC is only playing a role of a bridge between you and insurance companies. Actually, it is an insurance company which will provide insurance cover when you will meet with an accident during travel.
The IRCTC has tied up with three Insurance Companies i.e ICICI Lombard General Insurance Company Limited, Shriram General Insurance Company and Royal Sundaram General Insurance Co. Limited that will provide you travel insurance cover. Initially, it was introduced on a trial basis, in which passengers has to give a premium of just Re 1 while booking all type of e-ticket from the IRCTC website. This insurance scheme is offering compensation of up to Rs 10 lakh to travelers and their families in the event of death, Rs 7.5 lakh for permanent total disability and up to Rs 2 lakh for permanent partial disability. The traveler can claim for insurance cover immediately after the incident but not later than four months after the event. The insurance company through which IRCTC is connected will send the cheque of the cover amount within 15 days of the receipt of a document.
In this article, we will tell you how to claim for IRCTC Travel insurance Policy. It is very easy to claim for IRCTC travel insurance Policy. When passengers opted Insurance Policy, then all the policy details will be mailed to them in their registered e-mail ID and on their mobile phones via SMS.
The first step that passenger should do after opting the Travel Insurance is to update the nomination details. They can update these details online the websites of Insurance Company.
Here we mentioned procedure through which passenger can claim for IRCTC travel insurance:
Still, if you have any doubt related to Insurance Policy Claim settlement,then visit the nearest insurance company policy office.
Document Required In a case of Death Claim:
Document Required In case of Of Permanent total disability
Document Required In case of Permanent Partial disability
You will get insurance amount within a 15 days after completing all the formalities. Before filing insurance claim form must read the form carefully and fill correct information. In case you filled wrong information in form then your form will be disqualified. In that case, if have to start the whole process from the initial level. Once you submitted all the documents with ID proof asked by the Travel Insurance Company then your insurance cover amount will be paid to you within 15 days.
Hope this article will help to know about IRCTC Travel Insurance and how to claim for it. Still, if you have any query regarding Travel Insurance Claim then you can visit the official site of IRCTC or you can visit insurance company office nearest to your home.