Looking at this, we are telling you that the railway also gives you the option of life insurance during the yatra. Under this, every passenger who travels in the railways is provided insurance up to Rs 10 lakh. At the same time, its best part is that for this, the Railways only recover 92 paisa. This facility is for all class passengers. However, this facility is optional for travelers.

Who will get the cover
If a passenger dies in a rail accident, then his nominee or legal successor will get insurance cover up to Rs 10 lakh from the railway side. Along with this, if there is any physical disability in the accident, a cover of up to Rs 7.5 lakh will be available. Cover of up to Rs 2 lakh will be given on minor physical losses.

Do not mistake this

If a passenger dies in a railway accident, then the nominee or legal successor will get insurance cover up to Rs 10 lakh from the railway side. But for this, it is important that after taking the ticket, keep an eye on one thing while filling the insurance form. Enter the name of your nominee in the form So that the family members did not face any kind of trouble after the accident.

They will not get the benefit of insurance

According to the IRCTC website of Railways, the child under the age of 5 years is not insured on behalf of the Railways.

- Let us tell you here that this plan will be applicable only after booking tickets online. For this, you have to take the option of taking insurance before booking a ticket from the IRCTC website.


- Only Indian citizens can benefit from this scheme. This facility is not for foreign nationals.


Information will be given to the insurance company in 4 months

According to this scheme, if a person is a victim of a rail accident, then the nominee must inform the insurance company within 4 months of the accident. The amount of the claim will be transferred online through NEFT to the nominee account. Yes, if the railway gets the fear of fraud in it, then no benefit under the insurance will be given to the passenger concerned.
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