Indian Railways passengers booking reserved tickets through railway reservation counters can also opt for travel insurance, extending an option that many passengers associate primarily with online railway bookings. The insurance is available for eligible passengers travelling on reserved tickets, subject to applicable terms and conditions.
The facility is designed to provide financial protection against specified risks associated with rail journeys, including accidental death and disability. Depending on the insurance cover selected and applicable policy conditions, beneficiaries may receive compensation in the event of a covered accident during the journey.
Passengers booking tickets at reservation counters need to provide the required details and opt for the insurance facility at the time of booking. The availability and terms of coverage may vary depending on the ticket and journey.
Travel insurance can be particularly relevant for passengers travelling long distances, as railway journeys involve exposure to accidental risks. However, passengers should understand the scope of cover, exclusions, claim procedures and eligibility conditions before opting for the facility.
The initiative highlights the broader role of embedded insurance, where protection products are offered alongside everyday services rather than being purchased separately. Integrating insurance with railway ticketing can make travel protection more accessible to passengers who may not otherwise actively seek an insurance policy.
For insurers, such partnerships also demonstrate how large public-service platforms can provide an effective distribution channel for simple, low-ticket insurance products.
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