Does railways give cover to its passengers? If yes, what kind of cover is it?Yes, the railways does provide personal accident insurance cover to the passengers. The cover is provided to bone fide passenger ticket-holders, platform ticket-holders and season ticket-holders. Children up to the age of five years, who are not required to buy tickets, are also covered, provided they are travelling with ticket-holders. The compensation for injuries sustained varies between Rs 32,000 and Rs 4 lakh as defined in the schedule of injuries under the Railways Act, 1989. The policy covers all the passengers in the railway premises. For any unscheduled injuries, the compensation of up to Rs 80,000 may also be given. The compensation amount is decided by the Railways Claims Tribunal. Once the claim is decided by the tribunal, the insurance company reimburses the claim amount to the railways.
