Railway Station Counters Now Offer Rs 10 Lakh Travel Insurance for Just 45 Paise Indian Railways has extended its optional travel insurance scheme to passenger reservation counters from October 27, offering passengers up to Rs 10 lakh coverage for a 45 paise premium. Indian Railways has introduced a significant passenger welfare measure by extending its optional travel cover to travellers who purchase reserved tickets directly from physical booking windows. Previously, this safety net was restricted solely to passengers booking digital e-tickets via the IRCTC platform. Starting October 27, anyone reserving a berth at Passenger Reservation System counters across the country can opt into this financial safeguard during their train journey. How to Avail the Cover at Station Windows Securing this optional travel protection at railway ticket windows requires fulfilling a couple of simple procedural steps during the booking transaction. Passengers must supply their valid mobile contact number to the booking clerk at the counter, which ensures that all policy details and confirmation updates reach them directly via SMS. The insurance premium has been set at an economical rate of just 45 paise per passenger, and this amount must be paid through digital payment modes. Counter reservation staff have been assigned to guide travellers through the enrolment procedure, record necessary passenger information, and handle the digital premium collection. Compensation Brackets and Financial Protection Details Designed to support passengers and their families in the event of an untoward incident or train accident, this cover offers tiered financial assistance depending on the severity of the mishap • In the tragic event of a passenger's demise, a sum of Rs 10 lakh is provided to the nominees. • Cases resulting in permanent total disability receive coverage of Rs 10 lakh. • Passengers who suffer permanent partial disability are entitled to a payout of up to Rs 7.5 lakh. • To cover emergency hospitalisation and medical treatment expenses, the policy grants up to Rs 2 lakh. • The scheme also allocates Rs 10,000 to assist with the dignified transportation of mortal remains. Uniform Guidelines and Advisory for Passengers Railway authorities have stated that the terms, operational rules, and claim procedures for counter-booked insurance are identical to those applicable to online IRCTC e-ticket holders. Central Railway has urged the travelling public to actively opt for this nominal safeguard, emphasizing that an outlay of merely 45 paise secures immense economic cushioning against unexpected travel emergencies. Railway officials maintained that safeguarding passenger interests remains a guiding objective, and further citizen-focused travel amenities will continue to be implemented. What this means for you Train passengers booking reserved tickets at railway counters can now secure extensive financial protection of up to Rs 10 lakh for a nominal charge of 45 paise. • Across India: Passengers purchasing reserved berths at PRS counters anywhere in the country can now access the same insurance benefits earlier limited to online IRCTC bookings. Travellers simply need to share their mobile number and settle the 45 paise premium electronically at the booking window. • Financial Shield: Families receive crucial financial backing of up to Rs 10 lakh in cases of death or permanent disability caused by a train accident. An additional allocation of up to Rs 2 lakh is provided to manage emergency medical and hospital expenses following an injury. • Counter Booking Procedure: Commuters must actively request the optional cover while booking at the counter. Station reservation staff will assist with digital payment collection and record necessary credentials. • Digital Confirmation: Complete policy information is dispatched directly to the traveller's registered mobile number via text. Passengers do not need to preserve separate paper insurance certificates during their commute. Why this happened Indian Railways introduced this measure to eliminate the disparity between digital ticket holders and counter commuters, thereby reinforcing overall passenger welfare. Millions of offline ticket purchasers were previously left out of the formal travel protection net. • Parity Across Booking Channels: The optional travel insurance scheme was formerly confined to passengers reserving through IRCTC portals, leaving counter buyers without identical coverage. Extending the facility to PRS booking windows ensures equitable financial protection for all reserved travellers. • Integration with Digital Systems: Mandating digital payment for the premium alongside a valid mobile number links insurance details directly to the commuter's phone. This streamlines administrative handling and eliminates paper insurance slips at station windows. • Commitment to Passenger Welfare: Rail authorities, including Central Railway, are expanding low-cost safety initiatives to deliver prompt economic relief to affected families during emergencies. Questions & Answers 1. When did the travel insurance rule for counter tickets come into force? The facility has been made effective at passenger reservation counters from October 27. 2. What is the premium cost for this travel insurance scheme? The insurance premium is set at 45 paise per passenger, payable strictly through digital payment modes. 3. How much payout is provided in the event of death or permanent total disability? A coverage sum of Rs 10 lakh is granted in cases of death or permanent total disability resulting from an accident. 4. What financial coverage is available for hospitalisation expenses? The policy provides medical treatment and hospitalisation coverage of up to Rs 2 lakh for injured passengers. 5. What is the compensation for partial disability and transportation of mortal remains? Permanent partial disability provides up to Rs 7.5 lakh, while Rs 10,000 is allocated for transporting mortal remains. 6. What details must a passenger supply at the counter to opt into the cover? Passengers must share a valid mobile contact number during booking so policy confirmations can be sent via text. https://trendkia.com/en/national/railway-kauntara-se-arakshita-tikata-lene-valon-ko-bhi-45-paise-men-milega-10-lakha-rupaye-ka-yatra-bima-52232 TrendKia — Har trend, sabse pehle.