If you’ve ever booked a train ticket on the IRCTC platform, you may have noticed a small checkbox offering IRCTC Travel Insurance. Most passengers skip past it, but here’s the interesting part:
👉 For just ₹0.45, travellers get insurance protection worth up to ₹10 lakh.
At such a nominal cost, this insurance covers accidental death, disability, hospitalisation, and more — making it one of the most affordable yet valuable protections for train passengers in India.
⭐ What Is IRCTC Travel Insurance?
IRCTC Travel Insurance is an optional insurance scheme offered only to passengers booking confirmed or RAC e-tickets through the IRCTC website or mobile app.
The coverage begins from the moment a passenger boards the train and continues until the completion of their journey at the destination station.
This scheme is officially known as the Optional Travel Insurance Scheme (OTIS).
🧾 Eligibility for IRCTC Travel Insurance
| Passenger Type | Eligible? |
|---|---|
| Online e-ticket booking (IRCTC website/app) | ✔ Yes |
| Counter ticket bookings | ❌ Not eligible |
| Confirmed, RAC, Partially Confirmed tickets | ✔ Yes |
| Waitlisted passengers | ❌ Not eligible |
| Foreign nationals | ❌ Not eligible |
| Children below 5 yrs | ❌ Not eligible |
| Children 5–11 yrs | ✔ Eligible |
💰 IRCTC Travel Insurance Cost
| Details | Amount |
|---|---|
| Base Premium | ₹0.38 |
| IGST | ₹0.07 |
| Total | ₹0.45 per passenger |
📦 IRCTC Travel Insurance Coverage
| Coverage Type | Benefit |
|---|---|
| Accidental Death | ₹10,00,000 |
| Permanent Total Disability | ₹10,00,000 |
| Permanent Partial Disability | ₹7,50,000 |
| Hospitalisation Due to Injury | ₹2,00,000 |
| Transport of Mortal Remains | ₹10,000 |
🚉 Special Coverage Scenario
| Situation | Covered? |
|---|---|
| Train diversion | ✔ Yes |
| Train short termination + alternate vehicle arranged by Railways | ✔ Yes |
| Travel on Vikalp train | ✔ Yes |
🧍 Nominee Submission — Important Step
After booking, passengers must:
- Check the email/SMS received from the insurer
- Click the shared link
- Submit nominee details
If this step is skipped, settlement may go to legal heirs.
📲 How to Opt for Travel Insurance During IRCTC Booking
- Select train and proceed to payment
- Tick the checkbox “Travel Insurance (Optional)”
- Complete the payment
❌ Can You Add Travel Insurance After Booking?
👉 No. IRCTC does not allow adding insurance after the booking is completed.
❌ Can You Cancel Travel Insurance?
👉 No. Once selected, the premium is non-refundable.
Table of contents
📁 Download IRCTC Travel Insurance Policy PDF
Passengers can view and download their policy document through:
🔹 Email received from the insurance company
🔹 IRCTC account under My Bookings → Ticket History
To make it easier, here is a button placeholder for your blog:
⬇ Download IRCTC Travel Insurance Policy (PDF)
(This link will change depending on the insurer and the booking.)
📞 IRCTC Travel Insurance — Insurance Company Contacts
Once opted in, all communication and claims must be made directly with the insurer. IRCTC is only a facilitator.
| Insurance Provider | Toll-Free Number | Website | |
|---|---|---|---|
| United India Insurance | 1800-425-33333 | customercare@uiic.co.in | uiic.co.in |
| Royal Sundaram General Insurance | 1860-425-0000 | customerservices@royalsundaram.in | royalsundaram.in |
| Shriram General Insurance | 1800-300-30000 | contactus@shriramgi.com | shriramgi.com |
| Liberty General Insurance | 1800-266-5844 | care@libertyinsurance.in | libertygeneralinsurance.com |
| ICICI Lombard General Insurance | 1800-266-7780 | customersupport@icicilombard.com | icicilombard.com |
Passengers must quote their PNR, policy number, and nominee details while communicating with the insurer.
🧠 Why IRCTC Travel Insurance Matters
With over 2 crore railway passengers daily, accidents are rare — but possible. A medical emergency, disability, or sudden loss can put families under heavy financial pressure.
This ₹0.45 insurance ensures:
- Safety
- Peace of mind
- Financial support in emergencies
It’s one of the smartest micro-investments you can make while travelling.
❓ Frequently Asked Questions (FAQ)
1️⃣ What is travel insurance in IRCTC?
It is an optional accident insurance policy offered during e-ticket booking, covering up to ₹10 lakh.
2️⃣ How to get travel insurance in IRCTC?
Tick the Travel Insurance checkbox during ticket booking.
3️⃣ Why travel insurance is not showing in IRCTC?
Reasons may include:
- Waitlisted ticket
- Offline ticket
- Child under 5 years
- Booking already completed
4️⃣ How to add travel insurance in IRCTC after booking?
❌ Not possible. It must be selected during booking.
5️⃣ How to download the travel insurance policy?
Check:
- Email from the insurer
- IRCTC → My Bookings → Policy Download
6️⃣ How to claim insurance?
Passengers must contact the respective insurer directly through their toll-free number or email.
🏁 Final Takeaway
Next time you book a ticket on IRCTC, don’t skip that tiny checkbox. For just ₹0.45, you unlock insurance worth ₹10 lakh — a huge safety net at a micro cost.
👉 If you’re booking online, always opt for IRCTC Travel Insurance.