When purchasing a ticket, the customer must select the "Travel insurance" option. He or she will then get the details of the policy, directly from insurance companies by SMS and on their registered email addresses. There will be a link provided to submit the nomination details.

The passenger must fill out the nomination information on the website of the appropriate insurance company after purchasing their ticket. Bharti Axa General Insurance, Bajaj Allianz General Insurance, and Shriram General Insurance are the three insurance providers that offer rail insurances for tickets purchased through the IRCTC website or mobile app. No cancellations are permitted after the passenger has paid the surcharge, according to IRCTC. The premium will not be refunded in any circumstance, including wait-listed tickets.

If nomination details is not filled then the settlement shall be made with legal heirs, if the claim arises, IRCTC mentioned in the release. IRCTC travel insurance will not be provided for the children below 5 years of age. IRCTC has kept travel insurance scheme uniform for all classes.

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