Archive · 8 Aug 2025
Indian Railways Offers 45-Paise Travel Insurance on IRCTC
Indian Railways now offers cheap travel insurance when you book tickets online.
For just 45 paise, you can get up to ₹10 lakh if something bad happens during your trip.
This covers accidents like train crashes.
You have to book tickets on the IRCTC website or app.
When you book, you can choose the insurance, and the cost is added to your ticket price.
If something does happen, the insurance helps cover costs like medical bills or death benefits.
It’s a way to protect yourself while traveling.
Indian Railways offers travel insurance for 45 paise via IRCTC.
Coverage includes up to ₹10 lakh for death or permanent total disability.
The insurance covers accidents, including derailments and terrorist attacks.
Passengers must book tickets online via IRCTC to avail of the scheme.
Approximately 333 claims were settled in the last 5 years, disbursing ₹27.22 crore.
- Who
- Indian Railways, IRCTC and passengers.
- What
- Indian Railways provides travel insurance for online ticket bookings.
- When
- Available now.
- Where
- India, on IRCTC platform.
- Why
- To enhance passenger financial security and safety.
- Premium Cost
- 45 paise
- Coverage for Death/Permanent Disability
- ₹10 lakh
- Coverage for Hospitalisation
- Up to ₹2 lakh
- Platform for Booking
- IRCTC website/app
- Claims Process
- Contact the insurance company directly
- Claims Settled (past 5 years)
- 333
- Amount Disbursed (past 5 years)
- ₹27.22 crore
