How to Download IRCTC Liberty General Insurance Policy
If you are a frequent traveler by train, you might have heard of the IRCTC Liberty General Insurance Policy. This is a special travel insurance policy that covers you against various risks and losses that may occur during your train journey. In this article, we will explain what this policy is, how to buy it online, how to download it online, and how to claim it online.
how to download irctc liberty general insurance policy
What is IRCTC Liberty General Insurance Policy?
IRCTC Liberty General Insurance Policy is a group personal accident insurance policy that is offered by Liberty General Insurance Limited in collaboration with Indian Railway Catering and Tourism Corporation (IRCTC). This policy provides compensation to the insured passengers in case of death, permanent total disability, permanent partial disability, hospitalization expenses, or burglary at their residence due to a train accident or untoward incident during their train journey. The policy also covers trip delay due to delay in arrival of train at destination more than one hour or two hours, depending on the plan chosen by the passenger.
Benefits of IRCTC Liberty General Insurance Policy
Some of the benefits of IRCTC Liberty General Insurance Policy are:
The policy premium is very low, starting from Rs. 0.49 per passenger per trip.
The policy covers all types of trains and classes of travel.
The policy can be bought online while booking the train ticket through IRCTC website or mobile app.
The policy can be downloaded online from the Liberty General Insurance website anytime after booking the ticket.
The policy can be claimed online from the Liberty General Insurance website in case of any loss or damage.
The policy provides cashless hospitalization facility at network hospitals across India.
The policy provides 24x7 customer support and assistance.
Eligibility and Coverage of IRCTC Liberty General Insurance Policy
The eligibility and coverage of IRCTC Liberty General Insurance Policy are as follows:
EligibilityCoverage
The policy is available for Indian citizens who are traveling by train within India.The policy covers death, permanent total disability, permanent partial disability, hospitalization expenses, or burglary at residence due to a train accident or untoward incident during the train journey.
The policy is applicable for passengers who have booked their train tickets through IRCTC website or mobile app.The policy also covers trip delay due to delay in arrival of train at destination more than one hour or two hours, depending on the plan chosen by the passenger.
The policy is valid for a single trip only, from the origin station to the destination station.The policy provides compensation as per the sum insured opted by the passenger, ranging from Rs. 2 lakh to Rs. 10 lakh per passenger per trip.
The policy can be bought for a maximum of six passengers per PNR.The policy premium varies from Rs. 0.49 to Rs. 0.92 per passenger per trip, depending on the sum insured and trip delay option chosen by the passenger.
How to Buy IRCTC Liberty General Insurance Policy Online?
Buying IRCTC Liberty General Insurance Policy online is very easy and convenient. You can follow these simple steps to buy the policy online while booking your train ticket through IRCTC website or mobile app:
Visit the IRCTC website or mobile app and enter your travel details, such as origin station, destination station, date of journey, class of travel, etc.
Select the train and seat availability from the list of trains and click on "Book Now".
Enter your passenger details, such as name, age, gender, mobile number, email id, etc.
On the payment page, you will see an option to opt for IRCTC Liberty General Insurance Policy. You can choose the sum insured and trip delay option as per your preference and click on "I Agree".
You will see the policy premium added to your total fare. You can proceed to pay the fare using any of the available payment modes.
Once your payment is successful, you will receive a confirmation message and email with your PNR number and policy certificate number.
You can also view your policy details on the IRCTC website or mobile app by logging in with your user id and password.
How to Download IRCTC Liberty General Insurance Policy Online?
Downloading IRCTC Liberty General Insurance Policy online is also very easy and convenient. You can follow these simple steps to download the policy online anytime after booking your train ticket:
Visit the Liberty General Insurance website at .
On the homepage, you will see a section for "IRCTC Travel Insurance". Click on "Download Policy".
Enter your mobile number and captcha code and click on "Submit".
Select your travel details, such as PNR number, policy certificate number, origin station, destination station, date of journey, etc. and click on "Download Policy".
You will see your policy document in PDF format. You can save it on your device or print it for future reference.
How to Claim IRCTC Liberty General Insurance Policy Online?
Claiming IRCTC Liberty General Insurance Policy online is also very easy and convenient. You can follow these simple steps to claim the policy online in case of any loss or damage:
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Visit the Liberty General Insurance website at .
On the homepage, you will see a section for "IRCTC Travel Insurance". Click on "Claims".
Enter your PNR number or certificate number and mobile number and click on "Submit".
Select your nature of loss from the drop-down menu, such as death, permanent total disability, permanent partial disability, hospitalization expenses, burglary at residence, or trip delay.
Enter your travel/loss/accident date and click on "Next".
Enter your NEFT details, such as bank name, branch name, account number, IFSC code, etc. and agree to the terms and conditions.
Click on "Submit" and wait for the confirmation message.
Conclusion
IRCTC Liberty General Insurance Policy is a great way to protect yourself and your family from any unforeseen risks and losses that may occur during your train journey. It is a low-cost, high-coverage, and easy-to-buy policy that can be bought online while booking your train ticket through IRCTC website or mobile app. It can also be downloaded online and claimed online from the Liberty General Insurance website anytime. So, next time you plan to travel by train, don't forget to opt for IRCTC Liberty General Insurance Policy and enjoy a safe and hassle-free journey.
FAQs
Here are some frequently asked questions about IRCTC Liberty General Insurance Policy:
Q: How can I contact Liberty General Insurance for any queries or complaints?
A: You can contact Liberty General Insurance through any of the following modes:
Toll-free number: 1800-266-5844
Email: care@libertyinsurance.in
Website:
Address: Liberty General Insurance Ltd., 10th floor, Tower A, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400013.
Q: How can I cancel my IRCTC Liberty General Insurance Policy?
A: You can cancel your IRCTC Liberty General Insurance Policy by following these steps:
Visit the IRCTC website or mobile app and log in with your user id and password.
Go to "My Transactions" and select "Booked Ticket History".
Select the PNR number of the ticket for which you want to cancel the policy.
Click on "Cancel Insurance" and confirm your cancellation request.
You will receive a cancellation confirmation message and email with the refund amount.
Q: How can I check the status of my IRCTC Liberty General Insurance Policy claim?
A: You can check the status of your IRCTC Liberty General Insurance Policy claim by following these steps:
Visit the Liberty General Insurance website at .
On the homepage, you will see a section for "IRCTC Travel Insurance". Click on "Track Claim Status".
Enter your PNR number or certificate number and mobile number and click on "Submit".
You will see the status of your claim, such as registered, approved, rejected, or settled.
Q: What are the exclusions of IRCTC Liberty General Insurance Policy?
A: Some of the exclusions of IRCTC Liberty General Insurance Policy are:
Any loss or damage caused by war, invasion, civil war, rebellion, revolution, terrorism, etc.
Any loss or damage caused by nuclear radiation, contamination, or explosion.
Any loss or damage caused by intentional self-injury, suicide, or attempted suicide.
Any loss or damage caused by intoxication, drugs, or alcohol.
Any loss or damage caused by pre-existing diseases or conditions.
Any loss or damage caused by participation in any criminal or illegal activities.
Q: What are the documents required for IRCTC Liberty General Insurance Policy claim?
A: The documents required for IRCTC Liberty General Insurance Policy claim vary depending on the nature of loss. Some of the common documents required are:
Duly filled and signed claim form.
Copy of PNR number or certificate number and mobile number.
Copy of Aadhaar card or PAN card or passport or voter id card or driving license of the insured passenger.
Copy of FIR or police report or railway authority report in case of death, disability, or burglary.
Copy of death certificate and post-mortem report in case of death.
Copy of disability certificate and medical reports in case of disability.
Copy of hospital bills and discharge summary in case of hospitalization expenses.
Copy of train ticket and boarding pass in case of trip delay.
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