A Landmark Move for Passenger Safety
In a decision aimed at enhancing passenger security, Indian Railways will offer optional travel insurance for tickets sold at station counters starting October 27, 2026. This initiative follows a directive from the Supreme Court, which mandated the change
to ensure that all passengers, regardless of how they purchase their tickets, have access to the same safety net. Previously, this low-cost insurance was only available to those who booked their tickets online via the IRCTC website or app. The move is seen as a crucial step towards equitable passenger welfare, especially benefiting those in rural areas or from lower-income groups who rely on physical ticket counters. The order came during proceedings related to the tragic Odisha train accident in June 2023, which brought railway safety measures under intense scrutiny.
Understanding the Coverage
The travel insurance scheme provides substantial financial protection in the event of a train accident or other 'untoward incidents' as defined by the Railways Act, 1989. While the exact terms for counter tickets are being finalised, the existing scheme for e-tickets provides a strong benchmark for what passengers can expect. The coverage typically includes up to ₹10 lakh for death or permanent total disability. In cases of permanent partial disability, the coverage is up to ₹7.5 lakh. The policy also provides for up to ₹2 lakh for hospitalisation expenses due to injury and ₹10,000 for the transportation of mortal remains. This coverage is valid from the actual departure of the train until the arrival at the destination, including the process of boarding and de-boarding.
How Will It Work at the Counter?
The precise mechanism for how passengers will opt-in for insurance at a physical counter is yet to be detailed by Indian Railways. For online tickets, passengers simply check a box during the booking process. It is anticipated that a similar, simple process will be implemented at ticket windows. The premium for the existing online insurance is a nominal 45 paise per passenger, inclusive of taxes. It is expected that the cost for counter tickets will be comparable, making it highly accessible. Once a passenger opts in, policy details, including a link to fill in nominee information, are typically sent via SMS and email. A similar system will likely be adapted for offline bookings, perhaps by collecting a mobile number at the time of purchase. The Supreme Court has placed the responsibility for a successful rollout squarely on the Railway Board.
Key Eligibility and Conditions
The optional travel insurance scheme is applicable only to Indian citizens; foreign nationals are not eligible. It covers passengers with confirmed, RAC (Reservation Against Cancellation), or partially confirmed tickets. Journeys on diverted routes or alternate 'Vikalp' trains arranged by the railways are also covered under the policy. It's important to note that the insurance claim and liability lie between the passenger and the partner insurance company, not directly with Indian Railways or IRCTC, which act as facilitators. After booking, it is crucial for passengers to fill out the nominee details through the link provided by the insurer to ensure a smooth claim process for their families if the need arises.
