Things to know about travel insurance for the Indian Railways

Planning a journey by Indian Railways involves more than just booking tickets and mapping out itineraries.

Amidst all the excitement, one critical aspect often goes unnoticed—travel insurance.

While many travellers overlook it, opting for travel insurance online could be the smartest move you can make.

While people usually think of travel insurance when flying or planning international trips, it's equally important when travelling by train within India. Here's everything you need to know about travel insurance for Indian Railways and how it can make your journeys safer. 

What is travel insurance for Indian Railways?

Travel insurance specifically designed for Indian Railways covers a range of issues that might arise during your journey. Whether you’re travelling for leisure, work, or to visit family, an appropriate travel insurance plan ensures that you’re protected against unexpected financial burdens. The coverage typically includes compensation for baggage loss, medical emergencies, personal accidents, trip delays, and more.  

Importance of travel insurance for train journeys 

Train journeys in India are popular for their affordability and convenience. However, they also come with their own risks, such as train delays, accidents, or loss of belongings. Having travel insurance online provides a safety net for these situations. If you face issues like missing a connecting train due to a delay, a good travel insurance plan will cover your financial loss. Additionally, if you’re travelling with valuable luggage or if the trip includes elderly family members, having coverage becomes even more crucial. Here are some key benefits of having travel insurance for train journeys: 

1. Coverage for baggage loss or theft

Baggage is an essential part of your travel, holding all the necessities required during the journey. However, losing your luggage during a train journey can be a huge hassle. Whether due to theft or misplacement, it can disrupt your entire trip. With the right travel insurance, you can be compensated for the value of the lost baggage. This coverage provides peace of mind, knowing that in case something unfortunate happens, you won’t bear the financial brunt.

2. Emergency medical expenses

While travelling, health emergencies can arise unexpectedly. Falling ill during a train journey or facing any medical emergency can be overwhelming. With a domestic travel insurance plan, your medical expenses during the journey are covered, allowing you to focus on getting better instead of worrying about hospital bills. This coverage includes expenses for doctor consultations, hospital stays, or even medicines needed during the journey.

3. Personal accident cover

Accidents are unpredictable and can happen anytime, anywhere. If you are involved in an accident during your train journey, travel insurance offers compensation for injuries, disabilities, or even death resulting from the accident. Whether it’s a minor injury or a significant mishap, this cover ensures that you or your beneficiaries receive financial support during such difficult times.

4. Personal liability cover

Sometimes, your actions during a journey might unintentionally cause damage to others or their property. In such cases, you might be held liable for compensating them. A travel insurance policy also covers personal liability, helping you manage any legal or financial obligations that might arise due to such incidents.

Eligibility criteria for travel insurance 

Domestic travel insurance is designed to be accessible to a wide range of travellers. Whether you’re travelling by railways, roadways, or airways within India, you can avail of a travel insurance plan.

Typically, individuals aged between 18 to 65 years can opt for this coverage. Additionally, if you’re planning to insure elderly family members, you can consider a specialised travel insurance plan designed for senior citizens, which includes specific inclusions tailored to their needs. 

Before purchasing a plan, it’s essential to inform your insurer about the duration of your trip, any pre-existing medical conditions, and other relevant details to ensure you get the best coverage. 

Buying Travel Insurance Online 

Purchasing travel insurance online is quick, convenient, and hassle-free. Gone are the days when you had to visit insurance offices or agents to secure a policy. With just a few clicks, you can buy a suitable travel insurance plan from the comfort of your home. Here’s how you can do it: 

1. Visit the insurer’s website: Start by visiting the official website of your preferred insurer. 

2. Choose your plan: Browse through the various travel insurance plans available. Depending on your travel needs, you can select a plan that offers comprehensive coverage. 

3. Fill in the necessary details: Provide essential information such as your travel dates, destination, and personal details. 

4. Review the policy features: Before making a purchase, ensure you review what the policy covers, including exclusions. 

5. Make payment: Once satisfied, proceed to make the payment through the secure payment gateway. Upon successful payment, your policy will be delivered to your email inbox. 

Special considerations when buying travel insurance for train journeys 

When selecting a travel insurance policy specifically for train journeys, here are some points to keep in mind: 

• Check for comprehensive coverage: Ensure that the plan covers all possible risks, including baggage loss, train delays, medical emergencies, and accidents. 

• Look for customisable options: Some insurers offer add-ons or customizable plans where you can include specific covers that suit your travel needs.  

• Review the policy exclusions: It’s crucial to understand what is not covered under your travel insurance. For example, certain pre-existing medical conditions may not be covered unless explicitly mentioned. 

• Consider the reputation of the insurer: Opt for a trusted and well-known insurance provider like Bajaj Allianz General Insurance Company, known for its customer service and quick claim settlements. 

• Travel insurance abroad: If you are planning to extend your journey internationally or if your trip includes a segment outside India, you should explore options for travel insurance abroad to ensure seamless coverage throughout your trip. 

Travelling by train within India is a common and delightful experience for many. However, even the most enjoyable journeys can be disrupted by unforeseen circumstances. By securing a travel insurance plan, you ensure that you’re financially protected against such scenarios.

From covering medical emergencies to safeguarding against baggage loss, travel insurance online offers a range of benefits that make your travel experience stress-free. Whether you’re planning a short trip or a long journey across states, having the right coverage in place is a smart and essential move.

As more people realise the importance of travel insurance, including it in your travel checklist has become a necessity rather than an option. 

*Standard T&C Apply 

**Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions. 

***Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale. 

****Claims are subject to terms and conditions set forth under the travel insurance policy. 

 This is an advertorial. The published article is being presented as received.