Want insurance? Don’t board train at wrong stn
Rampravesh Singh, who died in a train derailment accident, has become the first deceased rail passenger in India to be denied a claim under the railway’s travel insurance scheme being operated by the Indian Railway Catering and Tourism Corporation (IRCTC). Singh was one of the 146 passengers who died in the derailment of the 19321 Indore-Patna Express at Pukhrayan near Kanpur on November 20 in 2016.
The reason for the railways to deny the claim is something that passengers do regularly — board at a station other than the one mentioned on the ticket.
Singh was one of the 3.64 crore passengers who had voluntarily opted for this travel insurance scheme between September 1 to December 9 by paying a premium of 92 paise.
In reply to a Right to Information plea made by DNA, the IRCTC stated that “the passenger boarded the train before the scheduled boarding point as per ticket and the accident happened before his scheduled boarding point. Hence does not fall under the policy coverage”. Under the rail insurance facility, Singh’s nominees would have been eligible for a payout of Rs 10 lakh stipulated for death rising out of a railway-related accident.
The railway travel insurance operated by the IRCTC …read more