Indian Railways is set to extend its Optional Travel Insurance Scheme to passengers who purchase reserved train tickets at Passenger Reservation System (PRS) counters, starting October 27, 2026. The move will allow eligible passengers who prefer booking tickets in person to access travel insurance previously associated with online reservations.
Under the scheme, passengers can opt for insurance coverage of up to ₹10 lakh for a premium of just 45 paise, according to the announced plan.
Who Can Benefit From the New Facility?
The extension is intended for passengers booking reserved tickets through railway reservation counters. It broadens access to optional travel protection for people who do not use online booking platforms or prefer handling reservations in person.
The insurance is optional, so passengers should check the terms and conditions and confirm the available coverage when booking their tickets.
How Much Does the Insurance Cost?
The announced premium is 45 paise, with coverage of up to ₹10 lakh under the scheme. The actual protection available depends on the policy’s terms, conditions and eligibility requirements.
Passengers should confirm how to select the insurance option at the counter and retain any policy-related information provided during booking.
What Travellers Should Know Before October 27
The change is scheduled to take effect on October 27, 2026. Passengers planning journeys around that date can ask reservation staff about the facility when purchasing eligible tickets.
Travel insurance can provide financial protection in specified circumstances, but it does not replace safe travel practices or guarantee payment for every incident. Travellers should read the policy details before opting in.
The extension is expected to make optional travel insurance accessible to a wider group of railway passengers, including those who prefer traditional counter-based reservations.
