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Vizag Vision Visakhapatnam :INDIAN RAILWAYS TO OFFER OPTIONAL TRAVEL INSURANCE AT RESERVATION COUNTERS FROM OCTOBER 27Indian Railways will introduce optional travel insurance for passengers booking reserved tickets at Passenger Reservation System (PRS) counters from October 27.The facility, already available to passengers booking tickets online, will now be extended to those purchasing tickets at railway reservation counters. Passengers booking tickets at reservation counters will be able to opt for insurance covering death, disability and injuries arising from rail travel. The facility is optional, and passengers must provide their consent to avail themselves of the coverage. Those opting for insurance will need to provide their mobile number and pay the premium digitally along with the ticket fare. Policy details will be sent to the registered mobile number. Passengers who do not opt for the facility will not receive insurance coverage under the scheme.Higher officials of the Railways will monitor the implementation. All the technical and operational support will be extended by Centre for Railway Information Systems (CRIS) and the Indian Railway Catering and Tourism Corporation (IRCTC) for resolution. Under the existing policy terms applicable to online ticket bookings, the insurance premium is 45 paise per passenger, inclusive of taxes. This rate has been in effect since February 17, 2024. The same terms and conditions will apply to passengers opting for insurance at PRS counters.The policy provides the following benefits, subject to its terms and conditions as per the railways act 1989 and amended from time to time: Death: Compensation of up to ₹10 lakh. Permanent total disability: Coverage of up to ₹10 lakh. Permanent partial disability: Compensation of up to ₹7.5 lakh. Hospitalisation expenses for injuries: Coverage of up to ₹2 lakh. Transportation of mortal remains: Up to ₹10,000.The initiative aims to make travel insurance accessible to more railway passengers by extending the optional facility to those booking reserved tickets directly at railway counters.