Indian Railways will extend its optional travel insurance facility to passengers booking reserved tickets at Passenger Reservation System (PRS) counters from Tuesday (October 27, 2026).The facility so far has been available only to passengers booking tickets online.The insurance will be optional, and passengers must give their consent to take the cover. Those opting for insurance must provide their mobile number and pay the premium digitally along with the ticket fare.
Policy details will be sent to their registered mobile number.The premium is 45 paise per passenger, inclusive of taxes. The same rate is applicable to online bookings since February 17, 2024.
The same terms and conditions will apply to passengers booking tickets at reservation counters. Those who do not opt for the facility will not be covered under the scheme.Cover of up to ₹10 lakhThe policy provides compensation of up to ₹10 lakh in the event of death or permanent total disability arising from rail travel accident.
Compensation for permanent partial disability is up to ₹7.5 lakh, and hospitalisation expenses for injuries are covered up to ₹2 lakh. Transportation of mortal remains is covered up to ₹10,000.The scheme aims to extend optional travel insurance to more passengers, particularly those who buy reserved tickets at railway reservation counters, a release said.