Only 30% of eTicket buyers opted for Railway Insurance

128 passengers on ill-fated Indore-Patna Express opted for insurance while booking online ticket

irctc-insuranceKanpur: Uncertainity over railway safety in India seems to be an open secret. Out of 694 passengers who booked tickets online for the ill-fated Indore-Patna express, 128 had opted for travel insurance cover that costs less than Rs.1.

The IRCTC website offers passengers the option of availing travel insurance cover at a premium of Rs 0.92.

It is learnt that those travelling on 78 (128 passengers) of the 126 tickets are eligible for the insurance payout. The other passengers who opted for insurance cover were to board the train from Kanpur onwards.

‘The insurance cover of upto Rs 10 lakh can be availed by paying less than Re 1’, is how Railway Minister Suresh Prabhu had introduced the scheme in his budget speech. The scheme offers travellers/nominees/legal heirs a compensation of Rs10 lakh in the event of death or total disability, Rs7.5 lakh for partial disability, upto Rs2 lakh for hospitalisation expenses and Rs10,000 for transportation of mortal remains from the place of a train accident or where an untoward incident, including terrorist attack, dacoity, rioting, shootout or arson, occurs.

The IRCTC website offers passengers the option of availing of travel insurance at a premium of 92 paise. The scheme was announced by Union railway minister Suresh Prabhu in his budget speech.

The scheme offers compensation of Rs 10 lakh in the event of death or total disability, Rs 7.5 lakh for partial disability, up to Rs 2 lakh for hospitalisation expenses, and Rs 10,000 for the transportation of a passenger’s mortal remains from the site of accident or any other untoward incident — terrorist attack, dacoity, rioting, or arson.

The facility is available to passengers who book the e-ticket, excluding for suburban trains, irrespective of the class of the ticket. The option to buy the insurance cover is available through a checkbox. “The premium is just 92 paise, so lack of awareness or sheer negligence while booking tickets may be the reason why so many passengers failed to opt for insurance,” an official said.
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