Lok Sabha Question No. 2458 (UNSTARRED), answered on 2018-08-01
Subject: Passenger Insurance
Ministry: RAILWAYS
Asked by: KRUPAL BALAJI TUMANE, ARVIND GANPAT SAWANT

## GOVERNMENT OF INDIA MINISTRY OF RAILWAYS

## LOK SABHA UNSTARRED QUESTION NO. 2458 TO BE ANSWERED ON 01.08.2018

## PASSENGER INSURANCE

† 2458. SHRI KRUPAL BALAJI TUMANE: SHRI ARVIND SAWANT:

Will the Minister of RAILWAYS be pleased to state:

- (a) whether  the  Railways  has  introduced  any  insurance  scheme  for the  rail  passengers  and  if  so,  the  details  and  the  objectives thereof;
- (b)  whether  the  Railways  has  entered  into  any  agreement  with  the insurance  companies  for  the  said  purpose  and  if  so,  the  details thereof;
- (c)  the amount of compensation to be provided to the said passengers in case of any accident or any other untoward incident; and
- (d)  whether all the classes and trains are covered/likely to be covered under the said insurance cover and if so, the details thereof?

## ANSWER

MINISTER OF STATE IN THE MINISTRY OF RAILWAYS

( SHRI RAJEN GOHAIN )

(a): An Optional Travel Insurance Scheme was launched w.e.f   01.09.2016   for   the   Confirmed/RAC   Railway   passengers Contd..2/-

who book e-ticket through official website of Indian Railway Catering &  Tourism  Corporation  (IRCTC)  portal  at  the  premium  of ` 0.92  per passenger. Under the scheme, sum assured is paid to the victim/family or legal heir of the victim as the case may be in case of death/injury  of  reserved  passengers  due  to  train  accident/untoward incidents as defined  under section 123 read with Sections 124 and 124A of the Railways Act, 1989, subject to the qualification that the coverage  will  be  valid  from  the  actual  departure  of  train  from  the originating station to actual arrival of train at the destination station including 'process of entraining' and 'process of detraining' the train.

Subsequently, to promote digital/cashless transaction, insurance is being provided free of cost from 10.12.2016 to all the Confirmed/RAC  Railway  passengers  buying  online  ticket  from  IRCTC and no premium is being charged from the passengers.

The sum assured to be given to victim/family or legal heir of the victim are as follows:-

- (i) In case of Death-` 10 lakh,
- (ii) Permanent Total Disability -` 10 Lakh,
- (iii)    Permanent Partial Disability  upto-` 7.5 Lakh,
- (iv)    Hospitalization Expenses for Injury -` 2 Lakh,
- (v)    Transportation of mortal remains -` 10 Thousand.

- (b):  Yes,  Madam.  IRCTC  which  is  a  wholly  owned  undertaking  of Ministry  of  Railways  has  entered  into  an  agreement  with  three namely (i)  Shriram  General  Insurance  Company  Ltd.,  (ii)  ICICI  Lombard General Insurance Company Ltd., & (iii) Royal Sundaram General
- Insurance Companies through Limited Tender, Insurance Co. Ltd..
- (c):  Compensation  liability  of  Railway  for  death  or  injury  of  Railway passengers in train accidents and untoward incidents is laid down in  Section  124  and  124A  read  with  Section  123  of  Railways Act,  1989.    The  amount  of  compensation  is ` 8  Lakh  in  case  of death  and ` 64000  to ` 8  Lakh  in  the  case  of  injury,  depending upon the gravity of injury.
- (d):  The insurance scheme is available to passengers of all reserved classes (SL, 1AC, 2AC, 3AC) of all trains (except passenger trains & sub-urban trains)  for  only  tickets  booked  online  on  the  IRCTC websites. Passengers booking reserved tickets through the manually operated Railway reservation counters and those travelling  on  unreserved  tickets  are  not  entitled  to  avail  of  this insurance scheme.

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