Have a Look at the Insurance Scheme for Commuters of the Mumbai Local Trains

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Posted on: 26 February 2019 by Sujan Thomas

Did you know that Mumbai local trains transported around 75 lakh people each day throughout the city as of 2016? After all, local trains are considered to be the most efficient way to zip through a city known for its crowded street and traffic snarls.

Did you know that Mumbai local trains transported around 75 lakh people each day throughout the city as of 2016? After all, local trains are considered to be the most efficient way to zip through a city known for its crowded street and traffic snarls. However, the western and central railways are densely populated too and have witnessed stampedes, floods and terrorist attacks. However, life never stops in Mumbai and neither should your travel. What you can do is protect yourself from any accidents that you may encounter on your journey. A Mumbai local train accident policy offers you a high-value amount and covers any loss of income that you may incur due to injuries while commuting to and fro.

So, safeguard your journey by buying a Mumbai Local Train Insurance policy provided by companies like Bajaj Finserv and get coverage of up to Rs.1 lakh for just Rs.410 per annum. You can apply in an easy, hassle-free manner by filling out the online application form and making the premium payment online.

Here’s why an insurance scheme for Mumbai local commuters should be a part of your security measure portfolio.

Lacking security measures

The local railway system of Mumbai does not scan commuters for articles that may cause harm to other people. Also, no scanning gates or check posts are present, or if they are present, they are not manned by personnel or made compulsory for all travellers. Additionally, with no prescribed weight limit for baggage, you may also be susceptible to injury due to a heavy bag falling on you from its overhead perch.

Risks arising due to overcrowding

Overcrowding is a hallmark of Mumbai local trains that are portrayed as an experience of a lifetime to tourists. However, it is easy to get pushed into and out of trains and be trampled on thanks to the unmanaged crowd in the trains. You could sustain multiple injuries and even break a bone in extreme cases due to the sheer number of people. So, getting an insurance cover is simply good sense.

Common injuries you may sustain

Tripping, being pushed on one side, or risk of falling out due to crowds, an insecure grip or unsteady steps are common sights on Mumbai’s railway platforms. In a city where time never comes to a standstill, rush hour can be even more dangerous as everyone takes part in the rat race to get ahead. 

Income you may lose owing to injuries

If you do have the misfortune of getting hurt while commuting by the local train network and are hospitalised, you may not be in a state to go to work for days and months to come. This will make you lose out on your income. However, thanks to the Mumbai local train accident policy, you can get cash benefit up to a limit of your choosing. You can get an amount ranging from Rs.1,000 to Rs.3,000 per day to manage daily expenses or serve as a compensation for your inability to work as you recover. The amount can also be claimed while you undergo a day care treatment procedure if your injuries aren’t too severe.

If you are a regular traveller in Mumbai locals, secure yourself and your loved ones with a Mumbai local policy. Before you hop on to the next train check your pre-approved offer from Bajaj Finserv to gain instant access to an insurance policy that perfectly suits your needs and your pocket! You can also avail customised deals for other insurance policies such as watch cover, road trip insurance, pilgrimage insurance and more. Use these pre-approved deals on insurance and other financial services to fund all your needs hassle-free. 

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