irctc travel insurance

IRCTC, which stands for Indian Railway Catering and Tourism Corporation, offers travel insurance to its passengers for a safer and more secure journey. The insurance covers various unforeseen events, such as accidents, theft, and loss of luggage, that may happen during the train journey. In this article, we’ll provide you with a step-by-step guide on how to get IRCTC travel insurance.

Also Read: IRCTC Ticket Booking

Step 1: Visit the IRCTC website

The first step to getting IRCTC travel insurance is to visit the official website of IRCTC. Once you’re on the homepage, click on the ‘IRCTC insurance’ tab, which is located on the top right corner of the page.

Step 2: Enter your PNR number

After clicking on the ‘IRCTC insurance’ tab, you’ll be redirected to a new page where you’ll be asked to enter your PNR number. PNR, or Passenger Name Record, is a unique reference number that is assigned to each passenger and is printed on the train ticket.

Step 3: Select the insurance option

Once you’ve entered your PNR number, you’ll be presented with two options for insurance – ‘Optional Travel Insurance’ and ‘Mandatory Travel Insurance’. The ‘Optional Travel Insurance’ option is available for passengers who want to purchase insurance voluntarily, while the ‘Mandatory Travel Insurance’ option is applicable to all passengers except for those who have already purchased insurance from any other source.

Step 4: Make the payment

After selecting the insurance option, you’ll be directed to a payment gateway where you’ll need to make the payment for the insurance. The insurance premium is calculated based on the fare of the ticket, and the minimum amount is Rs. 0.49.

Step 5: Receive the insurance policy

Once you’ve made the payment, you’ll receive the insurance policy in your email inbox. The policy will contain the details of the coverage, including the sum assured, the duration of the coverage, and the terms and conditions.


Getting IRCTC travel insurance is a simple and hassle-free process that can be completed in just a few minutes. By purchasing travel insurance, you can protect yourself from the financial losses that may arise due to unforeseen events during the train journey. So, the next time you book a train ticket on IRCTC, make sure to opt for travel insurance for a safer and more secure journey.

1 Comment

  1. irctcadmin June 12, 2023

    Let us know if you have any suggestions or queries about irctc travel insurance

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