By Admin 
Flight Ticket Insurance: Lakhs of people travel by flight every day in the country. Someone flies for work. Some take international flights for holidays and some take international flights to go abroad. Air travel is definitely faster. But risk remains there. Sometimes accidents happen due to technical fault, sometimes bad weather and sometimes due to human error.
A terrible accident occurred on June 12, 2025 in which 241 people lost their lives. Even today it shocks people. After such accidents a question arises in everyone’s mind. Do passengers automatically get any insurance while booking flight tickets? And if an accident happens, what does the rule of compensation say? Let us tell you complete information about this.
What is flight accident insurance?
Flight accident insurance is actually a safety cover for accidents that occur during air travel. If an accident occurs during a flight, it provides financial assistance to the passenger or his family. This includes situations like death, permanent disability and serious injury. Many people do not know that most airlines already take a basic insurance for passengers. Which is attached with the ticket itself.
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Apart from this, many airlines and travel websites also provide the option of separate personal accident insurance while booking tickets. Which the passenger can choose according to his need. In this, more coverage can be availed by paying less premium. If an accident ever occurs, the claim process is usually initiated by the family or the nominee. In which death certificate, ticket information and other important documents have to be submitted.
What is the rule of compensation in international flights?
If an accident happens in an international flight. So compensation is done under the Montreal Convention 1999. India is part of this international treaty. Therefore, the same rules apply to international flights flying from here or coming here. Under this convention, a compensation of up to 128821 Special Drawing Rights i.e. SDR is fixed for each passenger.
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In Indian currency this amount comes to around Rs 1.4 crore. However, the actual amount depends on the value of SDR and the currency rate at that time. The special thing is that for compensation up to the initial limit, it is not necessary for the airlines to prove their fault. But if it is proved that the accident happened due to the negligence of the airlines, then compensation can be given more than the prescribed limit.
What do the rules say for domestic flights?
The Montreal Convention does not directly apply to domestic flights. But in India, the safety of passengers has been decided under the guidelines of DGCA. Most Indian airlines provide accident cover to passengers even on domestic flights. The amount of compensation may vary depending on the airline and insurance policy, but generally it ranges from Rs 20 lakh to Rs 1 crore.
In many cases this responsibility is shared between the airline and its insurance company. If the passenger has taken separate travel insurance while booking the ticket. So apart from the basic cover, you can also get extra compensation. Therefore, it is a wise step to check the insurance option while booking flight tickets.
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