Organisation : IRCTC Indian Railway Catering and Tourism Corporation
Facility : Travel Insurance For E-Ticket Passengers
Details : https://www.statusin.in/uploads/22120-InsuranceTermCondition.pdf
Website : https://www.irctc.co.in/eticketing/loginHome.jsf
Travel Insurance :
A. Disclaimer :
1. Insurance policies are contractual obligations between the Insurance company/ies & the passenger. In case, passenger opting for insurance, the claim/liability shall be between passenger and the Insurance Company.
Related : IRCTC eWallet Register : www.statusin.in/20276.html
2. The Insurance Company is responsible for policy issuance and claims settlement.
3. All the correspondence by policy holder should be made directly with the Insurance Company on their toll free no. , official E Mail IDs or offices as mentioned in policy document. No correspondence to be made with IRCTC in this regard
4. IRCTC only provides linkage to transact with Insurance Company through its website to take insurance cover and as such assume no responsibility or liability in respect of said policy, under any circumstances.
5. All information provided on the website is provided “As is“ and with no warranties.
This Policy the Schedule and any Memoranda thereon shall be considered one document and any word or expression to which a specific meaning has been attached in any of them shall bear such meaning throughout.
B. Terms & Conditions :
1. The scheme is applicable only for Indian Citizens who book their e-ticket through NGeT Website Application only. Citizen of foreign countries are not eligible for this scheme.
2. The scheme is optional, however if the option is exercised it will be compulsory for all passengers booked under one PNR number.
3. The premium is Re. 92 paise per passenger inclusive of all taxes.
4. Customer shall receive the policy information through SMS and on their registered email IDs directly from Insurance Companies along with the link for filling nomination details. However, Policy number can be viewed from Ticket booked history at IRCTC Page.
5. After the booking of ticket, the nomination details to be filled at respective Insurance Company site. If nomination details is not filled then the settlement shall be made with legal heirs, if the claim arises.
6. The coverage for the policy shall be for each passenger under the PNR in case of Death, Permanent Total Disability, Permanent Partial Disability, and Hospitalization Expenses for Injury and Transportation of mortal remains following Rail Accident or untoward incident.
7. The optional travel insurance will not be provided for the children below 5 years of age.
8. In case of passenger opting for insurance, the claim/liability shall be between insured and the Insurance Company.
9. In case of short termination of trains due to any reason, if the passenger opts for the alternate mode of transportation arranged by railway upto the destination station, then this part of the journey of the passenger shall also be covered under the policy taken by the passenger.
10. In case of diversion of train due to any reason, the coverage shall be for the diverted route.
11. In case of vikalp train, the policy obtained by the passenger for covering this journey in the original train shall be valid in the vikalp train also.
12. Once the premium is paid by the passengers no cancellations is allowed. Accordingly, no refund of premium will be made in all cases including waitlisted ticket.
13. The coverage for Hospitalization Expenses for Injury is over and above the death/permanent total disability/partial disability
Claims Procedure & Documentation :
(i) The Insured or his nominee or legal heir shall deliver to the nearest office of the Insurance Company, not later than 4 months from the date of occurrence of the Insured Event, a detailed statement in writing as per the claim form and any other material particular, relevant to the making of such claim.
The Insured or his nominee or legal heir shall tender to the Insurance Company all reasonable information, assistance and proofs in connection with any claim hereunder.
(ii) Proof in accordance with the policy details shall be furnished to the Insurance Company in connection with all matters upon which a claim is based.
Documentation required:
In case of Death Claim:
Submit the duly filled in claim form signed by nominee/legal heir along with the NEFT mandate details and cancelled cheque with the following documents:
** Report of the Railway Authority confirming the accident of the train or untoward incident
** Report of the Railway Authority carrying the details of the passengers declared dead.
** Duly Completed Personal Accident Claim Form signed by Nominee / Legal Heir along with the NEFT mandate details & cancelled cheque
** Photo identity proof of nominee
** For Death Claims, claim will be settled only to nominee declared at the time of buying insurance through IRCTC portal
** In absence of nominee, claim will be paid to Legal Heir only – as per Legal Heir / Succession Certificate
In case of Disablement Claim:
** Report of the Railway Authority confirming the accident of the train or untoward incident
** Report of attending doctor confirming the extent of disability.
** Medical bills corresponding to doctor’s prescription.
** Duly Completed Personal Accident Claim Form signed by insured / Nominee
** Attested copy of disability certificate from Civil Surgeon of that Hospital in which the treatment has undergone stating percentage of disability.
** Attested copy of FIR.
** All X-Ray / Investigation reports and films supporting to disablement.
** Claim form with NEFT details & cancelled cheque of the beneficiary
** Photograph before & after disability
In case of Hospitalization Expenses for Injury :
** Report of the Railway Authority confirming the accident of the train or untoward incident
** Discharge summary
** Original Hospital Bills and medical bills corresponding to doctor’s prescription
** Advance and final receipts (All receipts shall be numbered, signed and stamped)
** Prescriptions for medicines
** Diagnostic Test Reports, X Ray, Scan, ECG and others including doctor’s advice demanding such tests)
** Cash memos/bills for medicines purchased from outside
The claim documents should be sent to the Claims department of the nearest Office of the Insurance Company through which this insurance is effected. List of the address of the office of the Insurance Company to be obtained from the website of the Insurance Company.