With reference to the new railway travel insurance scheme, consider the following statements: 1. The insurance premium is fixed at ₹1.00 per passenger via digital modes. 2. The scheme is eligible for children aged five to 11 years. 3. The insurance covers death, disability, and hospitalization with a coverage range of ₹10,000 to ₹10 lakh. Which of the statements given above is/are correct?

Railway Board to allow passengers to opt for travel insurance at PRS counters

GS3Economy · S&T · Environment · Security· Infrastructure (energy, ports, roads, railways)· Prelims· 25 October 2026

Digital governance and passenger safety: a GS3 case study on public service delivery.

Why in news

The Railway Board announced that passengers can opt for travel insurance at PRS counters starting October 27, integrated by CRIS and IRCTC.

Background

The insurance covers death, disability, and hospitalization with a coverage range of ₹10,000 to ₹10 lakh. Indian citizens can pay a premium of 45 paise via digital modes, with eligibility for children aged five to 11 years.

Facts for Prelims

BodyCRIS: Centre for Railway Information Systems, responsible for railway IT systems
BodyIRCTC: Indian Railway Catering Services, integrated with the insurance facility
FactInsurance premium: 45 paise via digital mode
FactCoverage range: ₹10,000 to ₹10 lakh for death, disability, and hospitalization

Prelims practice question

With reference to the new railway travel insurance scheme, consider the following statements:

The insurance premium is fixed at ₹1.00 per passenger via digital modes.
The scheme is eligible for children aged five to 11 years.
The insurance covers death, disability, and hospitalization with a coverage range of ₹10,000 to ₹10 lakh.

Which of the statements given above is/are correct?

(a)1 only
(b)3 only
(c)2 and 3 only
(d)1, 2 and 3

Show answer

Answer: (c) 2 and 3 only — Statements 2 and 3 are correct. Statement 1 is incorrect: The insurance premium is 45 paise via digital modes.

For Mains

Q. Discuss how the integration of insurance services into railway ticketing enhances passenger safety and promotes financial inclusion in public transport.

Dimensions to cover in your answer

Digital infrastructure: Leveraging CRIS and IRCTC for seamless real-time premium collection
Social safety net: Providing affordable risk coverage for low-income travelers and children
Operational efficiency: Reducing manual overhead by integrating insurance at PRS counters

Keywords: Financial Inclusion · Public Service Delivery · Digital Governance · Risk Mitigation · Passenger Safety

Read the full news →Report a mistake in this note How notes are made Source: The Hindu ↗Also: GS2 · Health policy & public health

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