Indian Railways is one of the largest transportation networks in the world, carrying millions of passengers daily. However, accidents can sometimes occur while boarding or traveling. Recently, a tragic incident at New Delhi Railway Station took the lives of 18 people, leaving many others injured. In such cases, the government announces compensation for victims, but many travelers wonder if they are personally covered in case of an accident.
A key question that arises is: Does IRCTC provide compensation if someone dies while climbing a train? The answer depends on whether the passenger opted for travel insurance while booking the ticket. Let’s understand the compensation process, eligibility, and how passengers can ensure financial security during train travel.
Who Gets Compensation in Case of a Train Accident?
IRCTC offers compensation for accidental deaths only to passengers who have opted for travel insurance while booking their tickets online. This insurance is available for a minimal charge and provides coverage in case of injuries, disability, or death during the journey.
However, not all passengers qualify for IRCTC compensation. Those who book tickets offline at railway counters do not get this insurance benefit. Let’s break down the eligibility criteria:
- Online Ticket Holders: If you booked your ticket through the IRCTC website or mobile app and selected the insurance option, you are covered.
- Offline Ticket Holders: If you bought your ticket from a railway counter, no insurance is provided by IRCTC, meaning you won’t receive compensation.
How Much Compensation Does IRCTC Provide?
Passengers who opt for travel insurance while booking their tickets online are eligible for the following benefits in case of accidents:
- ₹10 lakh compensation in case of death.
- ₹7.5 lakh for permanent total disability.
- ₹2 lakh for partial disability.
- ₹10,000 for minor injuries requiring hospitalization.
Cost of IRCTC Insurance: Just 35 Paise!
A major reason why many passengers miss out on this insurance is that they are unaware of its availability. IRCTC offers this insurance at a nominal premium of just 35 paise per passenger. This small amount ensures a financial safety net for travelers and their families in case of unforeseen accidents.
How to Claim Compensation?
If a passenger who opted for insurance faces an accident while boarding or traveling by train, their family members can file a compensation claim. Here’s the step-by-step process:
- Inform the Insurance Provider:
- The insurance company details are mentioned in the e-ticket confirmation email received after booking.
- Contact the insurer immediately and provide details of the accident.
- Submit Required Documents:
- Copy of the ticket with insurance details.
- FIR or police report confirming the accident.
- Medical or death certificate (whichever is applicable).
- Claim form provided by the insurer.
- Processing and Compensation Payment:
- The insurance company verifies the documents.
- If approved, the compensation amount is transferred to the nominee’s bank account.
Government Compensation for Train Accidents
In addition to IRCTC’s insurance, the Indian government also provides compensation to victims of major railway accidents. The amount varies based on the severity of injuries or loss of life. This compensation is announced by the Railway Ministry after a major accident and is separate from IRCTC’s insurance coverage.
What Passengers Should Do for Safety and Financial Security?
To ensure that you and your family are financially protected in case of a train accident, follow these simple steps:
- Always choose the insurance option while booking tickets online.
- Keep a copy of your ticket and insurance details saved on your phone.
- Inform your family members about the insurance and how to claim it.
- Travel safely and follow railway guidelines while boarding and exiting trains.
Final Thoughts
Train accidents are unfortunate events that can cause financial distress for families. IRCTC’s travel insurance is a simple yet effective way to ensure security at just 35 paise per ticket. Many passengers ignore this option, unaware of its benefits. Next time you book a train ticket online, don’t forget to check the insurance box—it could make a huge difference when needed.
