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Railways to Offer Insurance for Baggage and Even Gadgets

Karen Menezes Karen Menezes 15 September 2016

After rolling out the passenger insurance scheme at 92 paise, the Indian Railways will also cover passenger belongings such as baggage, mobiles, and laptops.

Insurance for Baggage and Gadgets

Following the recent news of 40 lakh people opting for passenger insurance at a premium of 92 paise, now the Indian Railways has also been planning to offer insurance for baggage, mobiles, and even laptops of the passengers.

Earlier, the insurance only covered a passenger from boarding to alighting the train. But now, talks are on to even expand existing passenger coverage to the station and ticketing area as well. This step has been taken so that passengers are covered even in case of misfortunate events that occur on the railway station premises.

As there is potential to expand coverage, it could lower the premium rates. IRCTC (Indian Railway Catering and Tourism Corporation) has been planning to provide the service to even unreserved passengers. In fact, the ticket booking website will also be updated so that medical insurance gets added to the ticket.

The decision of whether to opt for it or not, solely depends on the passenger.

Insurance can be claimed for any untoward incident such as dacoits, riots, shoot-outs, or terrorist attacks that take place on the premises.

Passengers who book tickets online have the option to get insurance coverage up to Rs. 10 lakhs for a premium of just 92 paise. So far, more than 4 million people have opted for this scheme as it is affordable and passenger-friendly.

Karen Menezes
Written by Karen Menezes
An optimist at heart, Karen loves to see the world through a pair of rose-tinted glasses. An award-winning blogger, she loves to dream with her eyes open. Writing is not her passion, it’s an OCD! If at all she isn’t writing, you can find her shopping online or experimenting with DIY recipes.