IRCTC Travel Insurance: ₹0.35 Premium, ₹10 Lakh Cover — Guide 2026

Quick Answer

IRCTC's optional travel insurance covers accidental death (₹10 lakh), permanent total disability (₹10 lakh), partial disability (₹7.5 lakh), hospitalisation (₹2 lakh), and baggage loss (₹1 lakh) — all for just ₹0.35 per passenger per journey. It is offered during IRCTC ticket booking as an opt-in checkbox.

Railway Guide Updated 2026-06-07 Free tools linked below

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Coverage and Premium

Premium: ₹0.35 + GST per passenger per journey. Coverage: Death due to train accident: ₹10 lakh. Permanent total disability: ₹10 lakh. Permanent partial disability: ₹7.5 lakh. Hospitalisation expenses: ₹2 lakh. Transportation of mortal remains: ₹10,000. Baggage loss: ₹1 lakh. The insurance is provided by private insurance companies empanelled by IRCTC (ICICI Lombard, Royal Sundaram, etc.).

How to Buy During IRCTC Booking

During the ticket booking process on IRCTC, after entering passenger details, you will see: 'Do you want to purchase travel insurance?' with a checkbox and the premium amount. Click 'Yes' and complete payment — the insurance premium is added to your ticket fare. You will receive a policy document via email/SMS.

How to Make a Claim

In case of accident/injury: Call the insurance company's helpline (number on your policy document). File FIR at nearest police station. Collect hospital/medical bills. Submit claim form within 30 days of incident. For baggage loss: File FIR, submit railway authority complaint acknowledgement, and fill claim form.

Exclusions

The insurance does NOT cover: Suicide or self-harm. Pre-existing medical conditions. War or terrorist activities unrelated to the train journey. Travel outside India. Non-accidental deaths (e.g., natural illness during journey). Tatkal and premium train (Rajdhani, Shatabdi) ticket insurance eligibility should be verified during booking.

Common Questions

Is IRCTC travel insurance mandatory?

No — it is optional. You can opt out during booking. The default may be opted-in, so check during payment.

How much does IRCTC travel insurance cost?

₹0.35 + GST per passenger per booking — approximately ₹0.49 total.

What is the claim amount for death in a train accident?

₹10 lakh (₹10,00,000) for accidental death during the journey covered by the policy.

Can I buy IRCTC insurance after booking?

No — travel insurance must be opted in at the time of booking. It cannot be added later.

Useful Links

Check your ticket directly, track train running status, or read related railway guides.

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PNR Alert is an independent railway utility and guide platform. Use these pages for explanation and planning, but verify time-sensitive travel details with official railway sources before making final travel decisions.