Railways is giving insurance of 10 lakh rupees for 45 paise, know here the complete process from application to claim

Railways Insurance : Almost people who like to travel for some reason. They must have faced the Indian Railways. Because Indian Railways works to transport millions of people from one city to another every day. If you travel by railway, you must know about this special insurance service. Where you can get a cover of 7 to 10 lakh rupees by spending only 45 paise.

Take this travel insurance whenever you book a ticket. It can help your family financially. While booking the ticket the passenger is given an option whether he wants to take travel insurance or not. For this a nominal amount of 45 paisa is charged from them.

How much does it cost?

If a passenger gets injured in a train accident, he gets an insurance cover of Rs 7.5 lakh. Also, hospital treatment worth Rs 2 lakh is free. If the passenger dies or gets permanently disabled in the accident, his family members get a cover of Rs 10 lakh.

Let us tell you that only those who take insurance of 45 paise can claim this insurance. Let us tell you that while booking the ticket you should fill the nominee details correctly.

How to get a claim

If an accident ever occurs, all passengers who have taken out travel insurance while booking their tickets will get this. He will get 10 lakh rupees under this insurance. However, the method of claiming it is different. Railways does not provide this money but the company which has taken out the travel insurance provides this insurance cover.

What are the rules?

Travel insurance is available only to passengers who have booked their tickets online. At the same time, all tickets booked on one PNR will get the benefit of travel insurance. Travel insurance is available only for confirmed and RAC ticket holders.

Nominee or beneficiary has to claim travel insurance within 4 months of the train accident. For this you have to go to the company that has insured you and give your details. You will receive your travel insurance within a few days.