IRCTC Travel Insurance: Exploring the Coverage and Benefits

Overview of the Topic

Train travel is popular in India due to its extensive railway network and affordable fares. With the growing number of passengers, it’s important to address concerns related to unexpected situations that can disrupt travel plans. This is where travel insurance becomes valuable, offering an extra layer of protection and peace of mind.

When booking train tickets on IRCTC, travelers have the choice to opt for travel insurance. This additional feature provides coverage for various travel-related risks, including trip cancellations, delays, and medical emergencies during the journey.

What Is IRCTC Travel Insurance?

  • When purchasing train tickets through IRCTC website/app, passengers can opt for standard travel insurance.
  • The insurance is priced at 35 paise, including taxes.
  • It offers coverage up to Rs 10 lakhs.
  • The insurance protects against incidents like train accidents leading to death or permanent disability, as well as robbery and other potential hazards.
  • By choosing this travel insurance, your entire journey from start to destination is safeguarded.

Key features of IRCTC Travel Insurance:

  • Travel insurance can be obtained exclusively through the official IRCTC website or mobile app when purchasing train tickets.
  • During the ticket payment process, you can select the travel insurance option.
  • Each ticket purchased under the same PNR will have individual travel insurance.
  • Separate travel insurance policies need to be purchased for each person listed under a single PNR.
  • The insurance coverage is specific to cases of death, disability, and injuries resulting from train accidents.
  • All Indian citizens booking tickets through IRCTC are eligible to purchase this travel insurance, except children under 5 years of age.
  • Policy documents will be sent directly to the insured via email.
  • The insurance option is available only for Indian travelers through the IRCTC mobile app or website.
  • Confirmation messages will be sent to the registered phone number and email IDs after ticket purchase.
  • The insurance provider will provide a link for customers to submit their nomination information.
  • Premium refunds or cancellations are not available.
  • The insurance coverage applies to all bookings made under a single PNR.

The Benefits of IRCTC Travel Insurance?

  • Train Travel Insurance provides coverage of up to Rs 10 lakh in the event of a train accident resulting in death or permanent disability.
  • In cases of permanent disability, the insurance policy offers coverage of Rs 7.5 lakh.
  • Hospitalization expenses are covered up to Rs 2 lakh.
  • The insurance coverage applies to incidents such as loot, robbery, and accidents.

How to Claim under IRCTC Travel Insurance?

  • Passengers can claim compensation for train mishaps or accidents through IRCTC.
  • IRCTC has partnered with three travel insurance companies: Shriram General Insurance, ICICI Lombard General Insurance, and Royal Sundaram General Insurance.
  • When filing a claim, passengers should carry identification documents like Aadhar Card, PAN Card, and relevant proofs.
  • Claims for insurance can be filed within four months from the date of the train accident.

How Trovity InsureTech can help:

  • For any difficulties encountered during the claim process, the experienced team at Trovity InsureTech is here to assist you.
  • Please find our contact information below:
  • hone: 1800 3099 247
  • E-mail:



D.V.V Srinivasa Rao


Leave A Comment


3rd Floor, Gutenberg IT Park, Kalajyothi Road, Kondapur, Hyderabad - 500084
+91 837 488 8704