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Blog Entry# 2051233  
Posted: Nov 07 2016 (09:56)

5 Responses
Last Response: Nov 07 2016 (10:14)
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Nov 07 2016 (09:48)   Smart things to know about Travel Insurance for Indian Railways

Yuva Rahul~   108 news posts
Entry# 2051233   News Entry# 285035         Tags   Past Edits
New Delhi: More than two crore passengers have opted for the rail insurance scheme since the facility was launched in September this year. We have got a good response to the optional insurance scheme as more than two crore passengers have availed the facility so far, said a senior IRCTC official.
According to the data provided by the Railways, 20,763,353 passengers have opted for the insurance cover till October 30. The facility, which was announced in the Railway Budget 2016-17, allows a passenger to get an insurance cover of up to Rs 10 lakh on booking a train ticket online by paying just 92 paise.
part of the ‘Diwali bonanza’, IRCTC had reduced the cover price from 92 paisa to just one paisa from October 7 till Diwali. From October 31, it has been restored to 92 paisa as announced earlier, said the official. While about 5.5 lakh travellers book their tickets online daily, only around 3.5 lakh are opting for the insurance cover, he said.
The scheme offers travellers or their families compensation of up to Rs 10 lakh in the event of death or permanent total disability, Rs 7.5 lakh for permanent partial disability, up to Rs 2 lakh for hospitalisation expenses and Rs 10,000 for transportation of mortal remains in the event of death or injury from a train accident or other untoward incident, including terrorist attacks, dacoity, rioting, shoot-out or arson, as well as for short termination, diverted route and Vikalp trains.
The facility is available for all rail passengers who book the e-ticket, excluding sub-urban trains and irrespective of the class of the ticket. The premium amount is automatically added to the ticket fare if the passenger opts for the insurance. The scheme is being implemented by IRCTC in partnership with ICICI Lombard, Royal Sundaram and Shriram General.
The claim and liability is between the passenger and the insurance company. In the event of death due to accident, 100 per cent of the sum insured will be paid by the company. Those wanting coverage for children below five years of age have to furnish details of the child at the time of booking and accordingly travel insurance premium is added to the total amount payable.
Here are the Smart things to know about Travel Insurance
1. The scheme is optional and available for all passengers who book their ticket online.
2. The premium is 92 paise for each passenger, which is inclusive of all taxes.
3. This scheme is available for passengers holding confirmed, RAC and waitlisted tickets. However, no refund of the premium will be issued if the ticket is cancelled.
4. The scheme offers a compensation of Rs 10,00,000 for death or permanent total disability; Rs 7,50,000 for partial disability; Rs 2,00,000 for hospitalization expenses for injuries; and Rs 10,000 for transportation of mortal remains.
5. The cover is not applicable for children up to five years of age and foreign citizens, and for suburban railway travel.

Nov 07 2016 (09:56)
maheshsunda*^~   4332 blog posts   31422 correct pred (71% accurate)
Re# 2051233-1            Tags   Past Edits
While this is good news, it shows the poor confidence of our people in IR to deliver a destination-sure performance. The same people, when opting for air travel, despite all its problems, are NOT willing to spend Rs. 200 to insure themselves. Is it because of cost of the premium or faith? I believe the latter. What say?

Nov 07 2016 (09:59)
JBP ET OHE OMG 😲 SUPPORTS KKR 😎~   12464 blog posts   22 correct pred (42% accurate)
Re# 2051233-2            Tags   Past Edits
I think it's the cost

Nov 07 2016 (10:10)
maheshsunda*^~   4332 blog posts   31422 correct pred (71% accurate)
Re# 2051233-3            Tags   Past Edits
I just don't understand why doesn't a person who spends 3-4K not able to further it by just 200 to secure things.

Nov 07 2016 (10:11)
Divyanshu Gupta in Durg Humsafar^~   33156 blog posts   25975 correct pred (77% accurate)
Re# 2051233-4            Tags   Past Edits
Bhartiya log free me pane waali chiz pe bharosa krte h aur usme b kami nikalte h :-P

Nov 07 2016 (10:14)
JBP ET OHE OMG 😲 SUPPORTS KKR 😎~   12464 blog posts   22 correct pred (42% accurate)
Re# 2051233-5            Tags   Past Edits
Agr esa h to kha ja skta h k logoko bharosa nhi h

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