IRCTC Travel Insurance

IRCTC Travel Insurance Benefits: Is It Really Worth it?

When it comes to traveling by train in India, the Indian Railway Catering and Tourism Corporation (IRCTC) is a name that needs no introduction. IRCTC serves millions of passengers each day, connecting diverse destinations across the country. In an effort to enhance the travel experience and ensure the safety and security of passengers, IRCTC offers a unique and valuable service: travel insurance.

What is IRCTC Travel Insurance?

IRCTC Travel Insurance is an optional insurance policy designed to protect passengers during their train journeys. This optional travel insurance can be added to your ticket booking at a just Rs. 0.35 per passenger, providing peace of mind and financial protection in unforeseen circumstances.

Also Read: When You Can Claim Insurance for Car Scratches?

What are the benefits of IRCTC Travel Insurance?

IRCTC Travel Insurance offers accident coverage, medical expenses, baggage protection, and more, ensuring peace of mind during train journeys. Let’s walk through the positive benefits of travel insurance provided by IRCTC.

1. Coverage for Accidents and Disabilities:

One of the primary benefits of IRCTC travel insurance is coverage in the event of accidents or disabilities caused by a train accident. It includes coverage for both fatal and non-fatal injuries.

2. Coverage for Hospitalization Expenses:

In case of accidents or medical emergencies during your train journey, this insurance covers hospitalization expenses, which can provide a significant financial relief.

3. Coverage for Loss of Belongings:

Another IRCTC Travel Insurance benefits also includes the extended coverage for the loss or theft of your luggage. This is particularly valuable for passengers who carry important personal items during their journey.

4. Coverage for Train Delays:

Travel plans can go awry due to unexpected train delays. IRCTC insurance offers compensation for such inconveniences, ensuring you’re not left out of pocket because of unexpected schedule changes.

5. Coverage for Train Cancellation:

In the event that your train is canceled, IRCTC Travel Insurance provides compensation, helping to offset the costs and hassles associated with rebooking or rearranging your travel plans.

6. Coverage for Missed Connections:

Sometimes, you might miss connecting trains due to unforeseen delays. IRCTC insurance has you covered by offering compensation for the expenses incurred in rebooking or arranging alternate transportation.

7. Coverage for Permanent Disability or Death:

In the unfortunate event of permanent disability or death caused by a train accident, IRCTC Travel Insurance provides substantial financial assistance to the affected individuals or their families.

8. Affordable Premiums:

One of the most attractive aspects of IRCTC Travel Insurance is the affordable premiums. For a small additional cost when booking your ticket, you can avail yourself of these substantial benefits, making it accessible to a wide range of passengers.

How to Avail IRCTC Travel Insurance?

To avail IRCTC Travel Insurance, you just have to select an option while checking out and paying for your train bookings. Here are the steps to make a better understanding.

Obtaining IRCTC Travel Insurance is a straightforward process:

Book tickets as usual and select ‘Yes’:

During the online ticket booking process on the IRCTC website or app, you will be given the option to add travel insurance. Simply select “Yes” to include it with your ticket.


Pay the nominal premium associated with the insurance. The premium cost is typically minimal compared to the potential benefits it provides.

Policy Details:

Once you’ve added the insurance, you’ll receive policy details and a certificate along with your e-ticket.

Traveling can sometimes be unpredictable, and unforeseen events can disrupt your plans. IRCTC Travel Insurance provides the peace of mind and financial protection you need to travel with confidence. The benefits offered are not only valuable but also come at a very affordable price.

So, the next time you book a train ticket with IRCTC, consider opting for their travel insurance. It’s a small investment that can make a big difference in ensuring your journey is safe and secure. With IRCTC Travel Insurance, you can enjoy your train journey with the confidence that you’re protected, no matter what the rails may bring your way.

Share this article:
Previous Post: When You Can Claim Insurance for Car Scratches?

October 23, 2023 - In insurance

Next Post: 7 Books Similar to ‘Rich Dad Poor Dad’

October 25, 2023 - In Finance

Related Posts

Leave a Reply

Your email address will not be published.