Train Insurance Mandatory: Is Your ₹10L Covered?
From October 27, 2026, all train tickets bought at station counters must include travel insurance. You get up to ₹10 lakh accident cover for under ₹1. Here's what it covers, what it doesn't, and how to claim.
At ₹0.45 per ticket, insuring your entire family's train trip costs less than one cup of railway-platform chai ☕
Your mandatory train travel insurance costs less than a single paan
Key Takeaways
Save your physical ticket or booking confirmation SMS after every train journey — this is your only proof of insurance cover and is mandatory for filing a claim.
Note the toll-free helpline number printed on your ticket or available at the booking counter — claims must be filed with the insurer, not Indian Railways, within the policy's time window.
If you already carry a separate personal accident policy, check for overlap — railway travel insurance pays out independently, so both policies can be claimed simultaneously for a covered railway accident.
From October 27, 2026, all train tickets bought at station counters must include travel insurance. You get up to ₹10 lakh accident cover for under ₹1. Here's what it covers, what it doesn't, and how to claim.
Here's what happened: The Supreme Court has directed Indian Railways to make travel insurance compulsory on all counter-bought tickets from October 27, 2026, ending the earlier opt-in model.. Passengers get up to ₹10 lakh accidental death and permanent total disability cover at a premium of roughly ₹0.45 per person per trip.. The insurance is underwritten by general insurance companies empanelled with Indian Railways — your PNR number serves as the policy reference for any claim..
What you should do: Save your physical ticket or booking confirmation SMS after every train journey — this is your only proof of insurance cover and is mandatory for filing a claim.. Note the toll-free helpline number printed on your ticket or available at the booking counter — claims must be filed with the insurer, not Indian Railways, within the policy's time window.. If you already carry a separate personal accident policy, check for overlap — railway travel insurance pays out independently, so both policies can be claimed simultaneously for a covered railway accident..
Railway travel insurance pays out independently of any personal accident policy you hold — a valid train accident claim can trigger BOTH payouts, potentially doubling your compensation.
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- [1]“Train ticket insurance from October 27: Is it mandatory, what is the current premium, coverage and claim process?” mint - money · 18 Oct 2026
This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.
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