Journey karna sabhi ko achha lagta hai, adhikansh log train se safar karne ko behtar mante hai. Kai vykti Online railway ticket book karte hai to kai Railway ticket counter se Booking ki process karte hai. Lekin kya apko pata hai ki railway ki website IRCTC se train tickets Booking karane par apko mahaj 49 paise me 10 lakh rupees ka insurance milta hai.
Apki janmkari ke liye bata de ki pahle Railway ki ye Scheme free thi. Lekin ab iski fee ke tor par Passengers se railway Ticket ke Extra 49 paise liye jate hai. Iske Policy ke liye Passengers ko IRCTC website se Ticket Book karne par Insurance Tick mark karana hoga. Dhyan rahe jab aap Online ticket booking karayenge tabhi apko is Facility ka labh mil sakega. Passengers ko Ticket booking ke bad unke Registered mobile number par SMS se mil jayegi.
Indian Railway Travel Insurance
Indian Railway Catering and Tourism Corporation (IRCTC) se jab koi vykti apni Journey ke liye train ticket book karvata hai to, us Passengers ko Insurance available karaya jata hai. Jiske liye unhe Ticket charge se extra 49 paise dene hote hai. Insurance ki sabhi Details IRCTC official website irctc.co.in par available. Is Insurance me Passengers ko Rs 10 lakh tak ka insurance milta hai. IRCTC me Travel Insurance Facility ko apnwe phone ya website par Travel Insurance Section me show hoga. Jaha se vah iski sabhi Information ko Collect kar sakte hai.
Benefit of Railway insurance?
Passengers ki jankari ke liye bata de ki RAC and confirmed ticket valo ko hi is Insurance ka labh mil sakega. Apko Insurance ka Claim kitna milega yah Dependent hoga accident me damage par. Is scheme ko 5 sections me Divided kiya gaya hai. Journey ke doran yadi Passengers ki Death ho jati hai, to unhe 10 lakh rupees milte hai. Thoda jakhmi hote huye Hospitalized hota hai to unhe 2 lakh rupees, viklangta ki sthiti me 7,50,000 rupees ka Claim milta hai.
IRCTC insurance Highlights :-
– Customer ko insurance policy ki Information SMS se di jati hai.
– Passenger ko company dvara Insurance ka apki email id par mail aata hai.
– Company se apko ek link bhi send ki jati hai, jisme Nomination detail fili karna hoti hai. Jis par ap Ticket Book History bhi dekh sakenge.
– ticket booking ke bad apke dvara nomination details ko Fill karna Compulsory hai.
– Nomination details ko fill nahi kiya jata hai to, kanuni uttaradhikari Agreement karte hai.
– some reason Train diversion bhi hoti hai, to divert root coverage Apply hoga.
– Passenger ek bar Premium payment kar dete hai, to cancellation facility nahi milti hai.
– under age of five Children is Insurance ka benefits nahi le sakte hai.
Policy exclusion :-
– Khud ko jan bujh kar injuring karna.
– Suicide ki koshish karna.
– Tickets booking ke bad bhi train me travel nahi karna, ticket not canceled hone par bhi yatra nahi karna.
– tickets booking ke bad Not confirmation ke bad bhi passenger ka train me Travel karna.
tickets booking ke bad apke Registered mobile number our email address par Details send ki jati hai. Jiske bad apko Nominee name update karna jaruri hai. Yadi ham journey se pahle hi Nominee name update kar dete hai to Claim process me kisi tarah ki koi pareshani nahi ati hai. Yadi ap Nominee name update nahi karte hai to Nominee name me kafi Problem ati hai.
Claim process hone me 15 day lag sakte hai, kyo ki Accident ke bad Accuracy of accident ke liye railway authority certificate, Canceled check, claim form, death certificate, medical reports, ID proof and INFT details jaruri hai.
Indian Railway Travel Insurance Money
– Death:- Rs 10 lakh
– complete permanent disability: Rs 10 lakh
– partial permanent disability: Rs 7.5 lakh
– Hospitalization expenses for injuries: Rs 2lakh
– take the dead body to home: Rs 10,000
History of insurance :- Bima Kya Hai, Insurance Ka paisa Kaise milega?
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