indian railways

I personally felt that this post should be written to create awareness about the insurance schemes run by Indian Railways. We all know about the incident of ill-fated, Indore-Patna Express which crashed killing several passengers.

The death toll in Sunday’s mishap rose to 150, making it the deadliest train accident in the last 17 years with four more persons, including a 12-year-old boy, succumbing to their injuries. At least 200 have been injured.

The loss of lives cannot be recovered by the money received through insurance policies. But, it will help down the families of victims to survive for sure.


Out of the 410 tickets booked for Indore-Patna Express on the IRCTC website only 126 passengers opted for insurance. The families of the 78 people will be liable to get an insurance payout.

The IRCTC (Indian Railway Catering and Tourism Corporation) website has started insurance schemes for passengers from September 1, 2016. The passengers who book their tickets through IRCTC website can avail a travel accident cover of Rs 10 lakh by paying a premium of less than Re 1.

The scheme is applicable and optional only for Indian Citizens who book their tickets through IRCTC online portal. The premium is 92 paise per passenger inclusive of all taxes.

The facility is provided to all the passengers excluding those travelling by suburban trains. The passengers can opt for travel insurance cover by booking online irrespective of the travel class.

The scheme does not include children up to 5-years of age and foreign citizens. It is only applicable to those passengers who have confirmed, RAC and waitlisted tickets.

The insurance cover also offers compensation of Rs 10 lakh to travellers, nominees, legal heirs in the event of death or total disability. In a case of partial disability, Rs 7.5 lakh will be given as compensation, Rs 2 lakh for hospitalisation expenses and Rs 10,000 for transportation of mortal remains from the place of incident.

Train Accident is as defined under section 123 read with Sections 124 and 124A of the Railways Act, 1989 subject to the qualification that the coverage will be valid from the actual departure of train from the originating station to actual arrival of train at the destination station including’ process of entraining ‘ and process of detraining ‘ the train.

The complete terms and conditions can be found here.

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