While train travel in India is generally safe, accidents and unforeseen events can still happen. To protect passengers, IRCTC (Indian Railway Catering and Tourism Corporation) offers optional travel insurance for a nominal premium when booking an e-ticket. In unfortunate cases like a train accident, this insurance can provide financial support to passengers or their families.
Now, how do you claim IRCTC travel insurance if you're affected? In this blog, we’ll guide you through the entire claim process, from eligibility to documentation and settlement timelines.
What Is IRCTC Travel Insurance?
IRCTC offers an optional travel insurance policy at the time of booking online tickets (via IRCTC Rail Connect app). The premium is as low as ₹0.35 per passenger and provides coverage for:
Accidental death: ₹10 lakh
Permanent total disability: ₹10 lakh
Permanent partial disability: ₹7.5 lakh
Hospitalization expenses: ₹2 lakh
Transportation of mortal remains: ₹10,000
This coverage is applicable only if you opt for it while booking your e-ticket.
Who Can Claim?
The insurance benefit can be claimed by:
The injured passenger (if insured)
The nominee listed while booking the ticket
Legal heirs (in case no nominee is mentioned)
Only passengers who opted for travel insurance at the time of booking and whose PNR is insured are eligible to claim.
Step-by-Step Guide to Claim IRCTC Travel Insurance
1. Note the Insurance Provider
IRCTC collaborates with insurance companies like Shriram General Insurance, ICICI Lombard, and Royal Sundaram. The insurer’s name and contact details are mentioned in your ticket confirmation email or under your IRCTC login > ‘Booked Ticket History.’
2. Inform the Insurance Provider
Immediately inform the insurance company about the accident. You can contact them via the toll-free number, email, or their website (claims section). Timely intimation is crucial.
3. Gather Required Documents
To file the claim, prepare the following documents:
Copy of e-ticket/PNR
Aadhar Card or identity proof of the insured
FIR copy or accident report from Railways
Post-mortem report (in case of death)
Medical certificate and bills (for injuries)
Death certificate, if applicable
Bank details or cancelled cheque
Nominee ID proof (if applicable)
4. Submit the Claim Form
Download the claim form from the insurance company’s website, fill it correctly, and attach all necessary documents. Submit the form online or by visiting the insurer's branch office.
5. Track Your Claim
After submission, you’ll receive a claim reference number. Use this to track the status on the insurer's website or by calling customer care. Claims are generally processed within 15 to 30 working days, subject to proper documentation.
Important Tips
Claims must be initiated within 4 to 30 days (varies by insurer) after the accident.
Make sure to opt for travel insurance while booking your ticket, as it cannot be added later.
Mention correct nominee details during booking to ease the claim process.
Keep a soft and hard copy of your ticket and insurance policy.
One more thing, Before you travel, it’s always wise to check the train schedule to stay informed about departure timings, platform changes, or delays. Using reliable platforms like RailMitra helps passengers plan better and avoid last-minute surprises by providing accurate and real-time updates on train schedules across India.
FAQs
Q1. Is IRCTC travel insurance mandatory? A: No, it is optional. You can choose to opt in or out while booking your ticket.
Q2. What happens if I forget to mention a nominee? A: In such cases, legal heirs can file a claim with proof of relation.
Q3. Can I claim insurance for minor injuries? A: Yes, if hospitalization is involved, you can claim up to ₹2 lakh for medical expenses.
Q4. How much time does it take to get the insurance amount? A: Generally, it takes 15–30 days, depending on the case and document verification.
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