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Rail Passengers to Get up to Rs. 10 Lakh Accident Insurance Cover for a Premium of Just Rs. 10

Rail Passengers to Get up to Rs. 10 Lakh Accident Insurance Cover for a Premium of Just Rs. 10

Indian Railways will probably start a voluntary passenger insurance scheme from September this year. By paying a minimal premium of less than Rs. 10 per ticket, passengers will get an insurance cover of Rs. 10 lakh in case of death or permanent disability caused in a train accident. The insurance cover will be of Rs. 7.5 lakh in case of partial disabilities or injuries; Rs. 5 lakh for hospitalization; and Rs. 10,000 for transportation of mortal remains.

The insurance scheme will be optional and passengers will be given the option at the time of booking tickets.


Source: Flickr

Indian Railway Catering and Tourism Corporation (IRCTC) has shortlisted 17 insurance companies and three of them will be selected by Friday. Railway Minister Suresh Prabhu had announced the plan to launch a passenger insurance scheme in the Rail Budget. The scheme will first be launched on a pilot basis for passengers booking their tickets online.

Soon the facility might be available for those booking tickets from counters or travellers with monthly season ticket as well. The amount of Rs. 10 lakh might be extended up to Rs. 50 lakh based on initial review.

“A passenger has to opt for insurance while booking e-tickets. The premium can be based on duration of journey or distance. The technicalities of insurance coverage will be worked out after finalizing the companies,” a senior railway officer told The New Indian Express.

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