With reference to the Indian Railways insurance facility for reserved tickets, consider the following statements: 1. The insurance coverage amount is up to ₹10 lakh for specified accidents. 2. The insurance coverage is available for both online and counter ticket bookings. 3. The premium for the optional insurance coverage is set at ₹1 per ticket. Which of the statements given above is/are correct?

Indian Railways extends optional ₹10 lakh insurance to railway counter ticket bookings

GS3Economy · S&T · Environment · Security· Infrastructure (energy, ports, roads, railways)· Prelims· 30 October 2026

Inclusive public service delivery and risk mitigation: a GS3 and Ethics case study.

Why in news

Indian Railways is extending an optional ₹10 lakh insurance facility to passengers booking reserved tickets at railway counters, a benefit previously exclusive to online bookings.

Background

The insurance facility offers coverage up to ₹10 lakh for specified accidents. The premium for this optional coverage is set at 45 paise per ticket.

Facts for Prelims

FactInsurance coverage amount: up to ₹10 lakh
FactInsurance premium: 45 paise per ticket
BodyIndian Railways: provides insurance for reserved ticket bookings at counters and online

Prelims practice question

With reference to the Indian Railways insurance facility for reserved tickets, consider the following statements:

The insurance coverage amount is up to ₹10 lakh for specified accidents.
The insurance coverage is available for both online and counter ticket bookings.
The premium for the optional insurance coverage is set at ₹1 per ticket.

Which of the statements given above is/are correct?

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

Show answer

Answer: (c) 1 and 2 only — Statements 1 and 2 are correct. Statement 3 is incorrect: The premium is set at 45 paise per ticket.

For Mains

Q. Discuss how the expansion of insurance coverage to counter-ticket bookings reflects the government's efforts towards inclusive infrastructure safety and passenger protection.

Dimensions to cover in your answer

Digital divide mitigation: Extending online-only benefits to offline counter users to ensure equitable access
Risk mitigation: Balancing infrastructure maintenance costs with passenger financial protection mechanisms

Keywords: Inclusive growth · Risk mitigation · Public service delivery · Passenger safety · Infrastructure development

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