IRCTC Travel Insurance: When booking train tickets online, a small option can be a big help. Just be sure to click on it. Otherwise, you could face losses in the event of an accident.

IRCTC Travel Insurance: Millions of people travel by train in India every day. Many of them book tickets online. However, when booking tickets, most people overlook an important option. This option could prove to be a huge help in case of an accident. We're talking about travel insurance, which is added for just a few bucks when booking tickets online.

Activating this option is very easy, and its benefits can be crucial in the event of an accident. The Indian Railway Catering and Tourism Corporation (IRCTC) provides insurance cover to passengers for less than 45 paise when booking tickets. However, many people forget to take this insurance. Let us tell you how you can get it.

How to activate travel insurance

When you book a ticket and enter your details on the IRCTC website or mobile app, an option for travel insurance appears. Many people, in a hurry, don't tick this box. However, this small oversight can lead to significant losses in the future. Therefore, always select this option before confirming your ticket.

Once your insurance is activated, you receive policy details via email and text. If an accident occurs during your trip, you can file a claim using the policy number. The claim process is also very simple and can be completed online. So, the next time you book a train ticket, remember to click on the travel insurance option.

This much claim is received.

IRCTC Travel Insurance provides financial protection to passengers and their families in the event of an accident during train travel. This insurance coverage covers up to ₹10 lakh in the event of death or permanent disability. In the event of partial disability, a claim of up to ₹7.5 lakh is provided, while medical expenses up to ₹2 lakh are covered. This policy is issued through government-recognized insurance companies selected by IRCTC. The claim process is simple, and passengers or their families can apply online.