Indian Railways provides optional travel insurance for counter-ticket purchasers using digital payments

Indian Railways has extended its optional travel insurance facility to passengers buying physical tickets at reservation counters. Officials clarified that because 5, 10, 20, and 25-paise coins no longer serve as legal tender, cash transactions for exact ticket and insurance totals are unfeasible, making online payment mandatory for these combined charges.

This update bridges the accessibility gap between online and counter bookings while modernizing railway transaction mechanics. Requiring digital payments eliminates exact-change challenges at ticket counters caused by obsolete coin denominations.

Counter-ticket buyers wishing to secure travel insurance must prepare to complete their fare and premium payments through digital modes. Passengers should ensure they have active electronic payment capabilities ready when purchasing tickets at reservation windows.