Stories
Supreme Court Directs Indian Railways to Provide Ticket Insurance for Counter Bookings
- •The Supreme Court directed Indian Railways to extend insurance coverage to tickets bought at reservation counters starting October 27, matching online IRCTC e-tickets.
- •Existing e-ticket policies offer up to Rs 10 lakh for accidental death and permanent total disability, and up to Rs 7.5 lakh for permanent partial disability.
- •Passengers can receive up to Rs 2 lakh for hospitalisation expenses and Rs 10,000 for the transportation of mortal remains.
- •Nominees must submit claim forms, bank details, railway reports, and identification proof to process death claims.
- •Claims must be submitted in writing to the insurer's nearest office within four months of the insured event.
Key Questions Answered
The existing e-ticket travel insurance policy specifies a maximum cover of up to Rs 10 lakh for accidental death and permanent total disability, alongside Rs 10,000 for transporting mortal remains. Similarly, offline reservation counter tickets will extend insurance coverage starting October 27 under Supreme Court directives.
According to policy guidelines, the insured trip and its active coverage span from the actual departure of the train at the originating station to its actual arrival at the destination, which includes all boarding and alighting processes.
The insured passenger, appointed nominee, or legal heir must submit a written claim statement directly to the nearest office of the insurer within four months of the occurrence of the insured event.
