What is the insurance cover for passengers in train accidents?

Railway ticket insurance offers compensation of up to ₹10 lakh for accidental death or permanent total disability under existing online ticket policy. It also covers permanent partial disability up to ₹7.5 lakh and eligible hospitalisation expenses up to ₹2 lakh. From October 27, 2026, insurance coverage will extend to tickets bought at railway ticket counters, after a Supreme Court directive.