₹10 Lakh Travel Insurance for PRS Counter Passengers
Indian Railways extends optional ₹10 lakh travel insurance to PRS counter passengers from Oct 27, 2026. Check coverage and digital payment rules.
In a major update for commuters, Indian Railways is set to extend its optional 10 lakh travel insurance facility to passengers booking tickets at Passenger Reservation System (PRS) counters. This nationwide rollout is scheduled to commence on October 27, 2026.
The expansion follows a directive from the Supreme Court of India issued on October 6, 2026, addressing insurance accessibility following the 2023 Odisha train accident. All Zonal Railways, including the Jodhpur division of the North Western Railway and stations like Jhalawar, are preparing for this rollout under instructions from the Railway Board.
Comprehensive Coverage Details
For a nominal premium of just 45 paise per passenger (including all taxes), travelers can access significant financial protection. The coverage includes:
- Up to ₹10 lakh for death or permanent total disability.
- Up to ₹7.5 lakh for permanent partial disability.
- Up to ₹2 lakh for hospitalization expenses due to injury.
- ₹10,000 for the transportation of mortal remains.
Eligibility and Exclusions
The insurance scheme is specifically designed for Indian citizens with certain types of tickets. To ensure clarity, please note the following eligibility criteria:
Who is Covered?
The facility is available for passengers holding:
- Confirmed tickets
- Reservation Against Cancellation (RAC) tickets
- Partially confirmed tickets
Who is Excluded?
The following passengers are not eligible for this insurance:
- General or unreserved ticket holders
- Children under five years of age without an assigned seat
How to Avail: Digital Payment Mandatory
The Centre for Railway Information Systems (CRIS) will provide technical support, while IRCTC will assist with the offline booking infrastructure. To avail of the insurance, passengers must follow these specific guidelines:
- Provide a Mobile Number: A valid mobile number must be shared at the counter to receive policy details via message.
- Digital Payments Only: The premium must be paid alongside the ticket fare using UPI, debit/credit cards, or QR codes. Cash payments are not accepted for this facility.
Railway staff have been instructed to proactively inform all passengers about this optional scheme and accurately record their preferences during the booking process.