Train Travel Insurance At 45 Paise: Railways To Extend ₹10 Lakh Cover To Counter Ticket Bookings From Oct 27
Summarized by AI; it may make mistakes. Check important info
Summarized by AI; it may make mistakes. Check important info
Passengers booking reserved train tickets at railway reservation counters will be able to opt for travel insurance coverage of up to ₹10 lakh for a premium of just 45 paise per passenger from October 27, 2026.
The facility, previously available to passengers booking e-tickets through IRCTC, will now be extended to eligible passengers booking tickets through Passenger Reservation System (PRS) counters. The insurance will remain optional, and passengers must provide a mobile number and pay both the ticket fare and insurance premium digitally to avail themselves of the cover.
Western Railway will make revised reservation forms available at its PRS centres to facilitate the scheme.
What Does The ₹10 Lakh Railway Travel Insurance Cover?
Under the scheme, eligible passengers will receive the following coverage in the event of a railway accident or another incident covered by the policy:
- Death or permanent total disability: ₹10 lakh
- Permanent partial disability: Up to ₹7.50 lakh
- Hospitalisation and treatment expenses: Up to ₹2 lakh
- Transportation of mortal remains: ₹10,000, subject to the policy’s terms and conditions
The premium is 45 paise per passenger, inclusive of all taxes.
Who Is Eligible For The Insurance?
The insurance facility is available exclusively to Indian citizens holding eligible reserved tickets.
Passengers with confirmed, Reservation Against Cancellation (RAC) or partially confirmed tickets at the time of booking can opt for the cover.
If insurance is selected for a booking under a single Passenger Name Record (PNR), all eligible passengers covered by that booking will be insured.
However, children below five years of age travelling without a separately reserved berth or seat are not eligible. Children aged between five and 11 years can avail themselves of the insurance, regardless of whether they have a reserved berth.
How To Get Travel Insurance While Booking At Railway Counters
Passengers booking tickets at PRS counters must follow these steps to obtain the cover:
How Will Insurance Claims Be Settled?
In the event of the insured passenger’s death, the insurance payout will be made to the registered nominee.
If nominee details have not been registered, compensation will be paid in accordance with the applicable rules on the basis of a Legal Heir Certificate or Succession Certificate.
The respective insurance company will be responsible for issuing policies and settling claims. Passengers should check the policy’s terms and conditions before opting for the cover.
Western Railway To Inform Passengers About The Scheme
Western Railway will introduce revised reservation forms at its PRS centres. Passengers will also be informed about the insurance facility, the requirement to provide a mobile number and the mandatory use of digital payments.
With the extension, eligible passengers booking reserved tickets at railway counters will have the option of securing travel insurance without having to book their tickets online.
