The IRDAI has instructed insurers to expedite the settlement of claims related to the Odisha train accident. Passengers with confirmed tickets and travel accident insurance can avail coverage for death, permanent total disability, and medical expenses. Claimants must submit specific documents, including reports from the Railway Authority. Legal heirs are advised to check the bank passbook for insurance coverage. While LIC has announced relaxation in document requirements, private insurers have not made similar public announcements.