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News Entry# 288680
Dec 15 2016 (08:52)  'Make railway insurance available to all reserved passengers' (
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Commentary/Human Interest

News Entry# 288680     
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Posted by: rdb*^  133024 news posts
MADURAI: A rail user forum here has urged railway authorities to provide insurance coverage to all railway passengers. The insurance should cover all passengers, whether they book tickets online or over the counter, the Railway Passengers Welfare Organisation demanded.
Hailing the railway insurance scheme as a novel initiative, the forum said that three crore people in India travel in trains a day using reserved tickets and 50% such reservations are made over the counter. "Though the travel insurance scheme has various advantages, it is limited only to those passengers booking through the Indian Railways Catering and Tourism Corporation (IRCTC) portal.
is not fair that such a good scheme is limited only to passengers booking tickets online.
The insurance option should be available in counter booking as well. While reserving tickets at counters, passengers should have the option to tick the insurance option in the reservation form and fill in necessary details," said K Padmanathan, general secretary of the forum.
Indian Railways offers travel insurance to all Indian citizens who book tickets through IRCTC portal as an optional choice, for which, a premium of 92 paise is is collected per passenger. Passengers availing the scheme are eligible for compensation of 10 lakh in case of death or permanent total disability, 7.5 lakh in case of permanent partial disability, 2 lakh for hospitalisation expenses for injury and 10,000 for transportation of mortal remains.
Once the premium is paid, no cancellations is allowed and no refund of premium is made in all cases including in waitlisted tickets. The insurance company is responsible for the policy and claim settlement.
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