The freak accident that cost a Ponnani native his life during a train journey to Telangana has once again brought focus to travel insurance. While booking tickets online, many passengers skip the 'Travel Insurance' section that offers coverages for a one-time premium of Re 1 or less. But, the service, which promises to cover accidental death, permanent total or partial disability, hospitalisation expenses and even transportation of mortal remains due to an accident during your train journey, can go a long way in offering financial support in case of unforeseen incidents.
You can pay less premium than Re 1 or more depending on your ticket. The premium of Re 1 is the most common option. Here are a few details you should know about railway insurance options: How to take the insurance? 1) Book your tickets through the IRCTC website or the IRCTC mobile app.
The option is not available for tickets bought from railway station counters. 2) Tick the checkbox that asks to insure your travel. It appears after you give passenger details, before paying for the ticket.
Once your ticket is confirmed, you will get an email from your insurance provider, with details and options to give nominee details. 3) In case of disability or hospitalisation due to accidents, inform your insurance company. Also inform the TTE or station master about the incident, so that they assist you and document the incident.
(Nominees of the deceased should also follow the same procedures) 4) Seek medical help, as re.
