In today's inflation, even if the price of 50 paise is not there, up to Rs 10 lakh insurance can be taken from this amount in IRCTC. Yes, you are listening right, we are talking about travel insurance. The Indian Railway Catering and Tourism Corporation (IRCTC) provides insurance up to Rs 10 lakh in just 49 paise. Insurance can be availed by booking tickets from IRCTC website or app. This travel insurance can be availed for only 49 paise.
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Insurance cover up to 10 lakhs: In this insurance, you can take cover of up to 10 lakhs mostly. You can get a cover of 10 lakhs in case of any untoward incident during a railway accident. In case of permanent partial disability, a cover of 7.5 lakh can be availed. In case of injury, you get a cover of 2 lakhs for hospital expenses. This occurs in addition to death and disability coverage. 10,000 gets a cover for transportation.
How to avail insurance: Insurance can be availed only by booking tickets from IRCTC website and mobile app. According to the website, the insurance policy covers death, permanent total disability, permanent partial disability as well as hospital expenses and vehicle expenses in case of any untoward incident during a train accident or travel.
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Remember that cancellation is not allowed once premium is paid. Also, there is no facility of refund of premium if the ticket is waiting. Settlement is through a legal hearing at the IRCTC's anusaar, if the passenger does not fill in the nomination details. However, this travel insurance is not continued for children below 5 years.