Protect Every Journey: Personal Accident Insurance with IRCTC Ticket Booking

When booking your next railway journey through the IRCTC portal, you might have noticed an option to add a Personal Accident Insurance policy at a nominal cost — just ₹0.49. But have you ever wondered how powerful that tiny investment can be?

At Assuredesk, we’re committed to helping you understand such policies better — and why you should never skip ticking that insurance box when booking your ticket.

What is IRCTC's Personal Accident Insurance?

Through partnerships with leading insurers, IRCTC offers passengers a Personal Accident Cover when they book a railway ticket online. Here's what it typically covers:

• Death Coverage: Up to ₹10 lakh for accidental death.

• Permanent Total Disability: Up to ₹10 lakh.

• Hospitalization Expenses: Partial coverage for treatment following an accident.

• Disappearance and Missing Person Cases: Special conditions applied.

Cost to you? As low as ₹0.49 per passenger.

Claim Data Analysis: Reality Check

Let’s look at real-world data for claims under this insurance:

Insights:

• Although millions opt for insurance, the number of claims is relatively low (good news — fewer accidents!).

• Claim Settlement Ratio is above 92% consistently — meaning insurers are reliably paying out claims.

• Average claim processing time has improved from 45 days (2021-22) to 30 days (2023-24).

How to Opt for Personal Accident Insurance via IRCTC:

1. Login to your IRCTC account.

2. Search and book your desired train.

3. During passenger details entry, tick the checkbox for Travel Insurance.

4. Pay ₹0.49 extra at checkout.

5. Post-booking, you'll receive an insurance confirmation email with policy details.

Why Trust Assuredesk?

At Assuredesk, we help you:

• Understand what policies truly cover.

• Support in claim settlement and documentation.

• Advocate on your behalf if claims are delayed.

• Provide free consultation for all insurance needs.

With accidents being unpredictable, this tiny step of opting for insurance can make a huge difference for your loved ones.
Next time you book a ticket — travel smart, travel secure!

Stay Assured with Assuredesk - Your True Assurance Partner

(For more guidance, claim support, or personal insurance consultation, reach out to us at www.assuredesk.com)

हर यात्रा को बनाएं सुरक्षित: IRCTC टिकट बुकिंग के साथ पर्सनल एक्सीडेंट इंश्योरेंस

Assuredesk द्वारा प्रस्तुत

जब आप IRCTC पोर्टल के माध्यम से अपनी रेलवे यात्रा के लिए टिकट बुक करते हैं, तो आपने देखा होगा कि केवल ₹0.49 में व्यक्तिगत दुर्घटना बीमा का विकल्प आता है।
क्या आपने कभी सोचा है कि यह छोटी-सी राशि आपके लिए कितनी बड़ी सुरक्षा बन सकती है?

Assuredesk में हमारा उद्देश्य है कि आप हर बीमा विकल्प को अच्छे से समझें — और जानें कि यह छोटा-सा चेकबॉक्स टिक करना क्यों बेहद जरूरी है।

IRCTC का व्यक्तिगत दुर्घटना बीमा क्या है?

IRCTC ने प्रमुख बीमा कंपनियों के साथ मिलकर यात्रियों को व्यक्तिगत दुर्घटना बीमा का विकल्प प्रदान किया है। इसमें मुख्यतः कवर किया जाता है:

• दुर्घटनावश मृत्यु पर ₹10 लाख तक का लाभ

• स्थायी पूर्ण विकलांगता पर ₹10 लाख तक का लाभ

• अस्पताल में भर्ती होने का खर्च (सीमित)

• लापता/गायब यात्री मामलों में विशेष प्रावधान

खर्च कितना?
सिर्फ ₹0.49 प्रति यात्री।

क्लेम डेटा विश्लेषण: हकीकत जानिए

आइए देखे कि असल में यह बीमा कैसा प्रदर्शन कर रहा है: