45 paise for ₹10 lakh cover! Indian Railways' new ticket counter rule starts October 27

Cash surprise

Buying a train ticket at a railway counter? A new payment rule takes effect from October 27! Passengers opting for travel insurance must pay the entire ticket fare digitally, not just the insurance premium. The Railway Board says the 45-paise premium cannot be collected in cash. But there's an important distinction: digital payment becomes mandatory only when passengers choose the optional insurance.

Paise puzzle

Just 45 paise is changing how railway passengers pay at ticket counters! The Railway Board has extended optional travel insurance to physical reservation counters following an October 6 Supreme Court order. Since the premium cannot be collected in cash, passengers must use digital payment for the entire transaction. Even ticket cancellation comes with a twist, as 9 paise will be deducted from the insurance premium.

₹10 lakh shield

Can 45 paise provide insurance coverage worth ₹10 lakh? Under Indian Railways' optional travel insurance scheme, passengers can receive coverage of up to ₹10 lakh for death or permanent total disability, ₹7.5 lakh for permanent partial disability and ₹2 lakh for hospitalisation due to injuries. The scheme also provides ₹10,000 towards transporting mortal remains. But who can actually claim this protection?

Waitlist twist

Travelling with family on a partially confirmed railway ticket? Here's a detail you shouldn't miss! The Railway Board says optional insurance is available for confirmed, RAC and partially confirmed bookings. Even if only one passenger has a confirmed berth and three others remain waitlisted on the same PNR, all four can be covered at 45 paise each. However, passengers must provide accurate mobile numbers and booking details for policy issuance.