Please provide Travel insurance policy coverage details?

Customers shall receive the policy information through SMS and on their registered email IDs directly from Insurance Companies. They will also get the link for filling nomination details. However, policy number can be viewed in the ticket booking history on the IRCTC page.

The coverage for the policy for each passenger shall be under the PNR in case of Death, Permanent Total Disability, Permanent Partial Disability, Hospitalisation Expenses for Injury and Transportation of mortal remains following Rail Accident or untoward incident. The optional travel insurance will not be provided for children below 5 years of age. In the case of a passenger opting for insurance, the claim/liability shall be between the insured and the Insurance Company.

Untoward incident means: – The commission of a terrorist act within the meaning of sub-section (1) of section 3 of the Terrorist and Disruptive Activities (Prevention) Act, 1987(28 of 1987). – The making of a violent attack or the commission of robbery or dacoity. – The indulging in rioting, shoot-out or arson, by any person in or any train carrying passengers or, from the actual departure from originating station to the actual arrival of the train at the destination station including ‘process of entraining’ and ‘process of detraining the train and Vikalp train, short termination and diverted route. Death: ₹ 10,00,000 Permanent total disability: ₹ 10,00,000 Permanent partial disability: ₹ 7,50,000 Hospitalisation expenses for injury: ₹ 2,00,000 Transportation of mortal remains: ₹ 10,000

What are the cancellation & refund rules in case of Tatkal/Normal tickets?

If you cancel the ticket 2 days (48 hours) before the scheduled departure of the train, you will have to pay the following charges:

o AC First Class/Executive Class – ₹ 240/-

o AC 2 Tier/First Class – ₹ 200/-

o AC 3 Tier/AC Chair Car/ AC 3 Economy – ₹ 180/-

o Sleeper Class – ₹120/-

o Second Class – ₹ 60/-

– If you cancel your confirmed ticket within 48 hours and up to 12 hours before the scheduled departure of the train, a charge of 25% of the fare subject to the minimum flat rate mentioned above will be charged. Additionally, GST will also be charged.

– If you cancel your confirmed ticket between 4 to 12 hours before the scheduled departure of the train / the chart preparation, you will have to pay 50% of the fare subject to minimum cancellation charges.

– If your Tatkal ticket is confirmed, there will be no refund. Charges as per existing railways rules will be applied for contingent cancellation and waitlisted Tatkal ticket. The IRCTC website states that partial cancellation of Tatkal e-tickets is permitted.

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