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Blog Entry# 6046471
Posted: Apr 28 (11:09)

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IR Affairs
Apr 28 (11:09)   Indian Railways' Optional Passenger Insurance Scheme: Details, Benefits, and Premium Changes

RailDiaries^~   219 news posts
Entry# 6046471   News Entry# 550164         Tags   Past Edits
यात्रीगण कृपया ध्यान दें! अब रेलवे में हाफ टिकट पर नहीं मिलेगा यह लाभ, बदल गया नियम

Indian Railways offers an optional insurance scheme for passengers booking e-tickets. Passengers are given the choice to opt-in during online ticket booking. The insurance premium is currently 45 paise per passenger and covers death, disability, and medical expenses. The insurance covers confirmed and RAC tickets across all classes. Passengers on the...
more...
waiting list are not eligible. The insurance also covers situations where a train is diverted, an alternative train is booked, or passengers are transported by road due to unavoidable circumstances. In 2018-19, 34.40 crore passengers opted for insurance, generating ₹8.53 crore in premium. In 2019-20, 27.30 crore passengers paid ₹13.38 crore in premiums, while insurance companies paid out ₹3.73 crore in claims. The insurance scheme was launched in September 2016 with a premium of 0.92 paise per passenger, paid by the government. The premium was reduced to 0.42 paise in August 2018 and the burden shifted to passengers. It was further reduced later.

Indian Railways ek optional insurance scheme deta hai jo passengers ke liye online ticket booking karne pe available hota hai. Passengers ko online ticket book karne ke time ye choose karna hota hai ki unko insurance chahiye ya nahin. Abhi insurance premium 45 paise per passenger hai aur isme death, disability,...
more...
aur medical expenses covered hain. Ye insurance confirmed aur RAC tickets pe sabhi classes me apply hota hai. Waiting list waale passengers iske liye eligible nahin hain. Insurance isme bhi cover karta hai ki agar train diverted ho jati hai, alternative train book karna padta hai, ya passengers ko unavoidable circumstances ki wajah se road se travel karna padta hai. 2018-19 me 34.40 crore passengers ne insurance liya aur isse ₹8.53 crore premium aaya. 2019-20 me 27.30 crore passengers ne insurance liya aur ₹13.38 crore premium diya, jabki insurance companies ne claims ke liye ₹3.73 crore diya. Ye insurance scheme September 2016 me start hua tha, jab premium 0.92 paise per passenger tha, aur government isko pay karti thi. August 2018 me premium kam karke 0.42 paise per passenger kar diya gaya, aur iska burden passengers pe dal diya gaya. Baad me isko aur bhi kam kar diya gaya.

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