Indian Railways offers 10-lakh rupee insurance cover for just 45 paise

Passengers booking train tickets through IRCTC's online portal have access to an affordable travel insurance option that offers substantial protection for just 45 paise per ticket.

The optional insurance scheme provides eligible passengers with coverage of up to 10 lakh rupees in the event of accidental death or permanent total disability during train travel. Despite the minimal premium, the policy represents significant financial protection for railway commuters across India.

The insurance facility is available to all passengers purchasing tickets through IRCTC's digital booking platform. While the coverage is offered on an optional basis, railway officials and financial advisors suggest that passengers should consider activating this protection, given the low cost relative to the benefits provided.

This initiative reflects Indian Railways' efforts to enhance passenger safety and financial security. The scheme allows travelers to secure comprehensive accident coverage without substantially increasing their ticket costs, making it an accessible risk management tool for regular and occasional rail commuters alike.

Passengers interested in availing this insurance can select the option during their online ticket booking process through the IRCTC website or mobile application.