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How You Can Avail the Rs 10 Lakh Accident Insurance Cover on IRCTC Bookings

Visit the IRCTC website, and book your ticket.

Even though travelling today is relatively safe, getting insurance gives you that much-needed sense of peace. And the Indian Railways, being always concerned about passenger satisfaction, provides accidental insurance if you buy tickets online from IRCTC.

The Railways’ Optional Travel Insurance Scheme, in place from September 1, 2016, is for Confirmed,/RAC railway passengers, who book their e-tickets through the IRCTC portal, at a premium of Rs 0.92 per passenger.

Now book your tickets on the IRCTC website, and get accident insurance. Representative image only. Image Courtesy: Pixabay.
Now book your tickets on the IRCTC website, and get accident insurance. Representative image only. Image Courtesy: Pixabay.

In case of injury or death of reserved passengers, due to any untoward incident, a pre-assured sum is given to the victim/family or legal heir of the victim. The accidents or untoward incidents are defined under Section 123, read with Sections 124 and 124A of the Railways Act, 1989. The coverage is for the departure of trains from originating station to the arrival at the destination, as well as the processes of “entraining” and “detraining”.

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The sums offered to the legal heir or family, are:-
1. For death, Rs 10 lakh.
2. Permanent Disability, Rs 10 lakh
3. Permanent Partial Disability, up to Rs 7..5 lakh
4. Hospital Expenses for Injury caused, Rs 2 lakh
5. Transportation of mortal remains, Rs 10,000

Ever since the scheme was launched in 2016, an amount of Rs 2,47,14,275 has been paid by the insurance companies, as compensation.

The Railways wishes to encourage digital transactions, and Confirmed/RAC railway passengers buying tickets online from IRCTC will be charged no premium, yet offered free insurance! So those of you booking summer trains, do so now. You can read here, the list of new summer trains announced for various picturesque holiday destinations.


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The Railways has always been conscious of passenger comfort, safety and overall satisfaction, and this attempt to compensate passengers and their families is proof!

(Edited by Shruti Singhal)

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