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Railway Minister Ashwini Vaishnaw says passengers with e-tickets can avail travel insurance for just 45 paisa

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Union Minister Ashwini Vaishnaw. File

Passengers can avail the Optional Travel Insurance Scheme while purchasing e-tickets by paying a premium of 45 paisa, inclusive of all taxes, Railway Minister Ashwini Vaishnaw said in a written reply in the Lok Sabha on Wednesday (August 6, 2025).

Responding to questions related to rail travel insurance, Vaishnaw said that all passengers can book tickets through online mode or at reservation counters; however, the Optional Travel Insurance Scheme (OTIS) is available only to those Confirmed/RAC passengers who have booked their tickets online.

“Any passenger who wishes to avail insurance benefit can opt for this scheme at the time of booking the ticket at his/her own discretion. The scheme is available to the passengers who book e-tickets, and it provides additional insurance cover to those who have opted for it and paid the premium,” Mr. Vaishnaw said.

Also Read | Railways to launch portal for Lok Sabha and Rajya Sabha members to book reserved tickets online

He added, “Currently, the premium is ₹0.45/- (Forty Five Paisa) per passenger per trip inclusive of all taxes to avail insurance through the Optional Travel Insurance Scheme. The passenger opts for the insurance scheme at the time of booking a ticket and pays the premium along with the fare.”

According to the Railway Minister, the passenger receives the policy information through SMS on their registered mobile and email IDs directly from the insurance company, along with the link for filing nomination details. Further, the insurance company is directly responsible for policy issuance and claims settlement, as the claim liability is between the insured and the insurance company.

He also stated that passengers file the claim directly with the insurance company as per the documents received through email from the insurance company, and filing of claim is a continuous process between the passenger and insurance company.

Giving the details of the total amount distributed by the insurance companies to the affected passengers/their relatives under these claims, Mr. Vaishnaw said, “During the last 05 years, 333 claims were settled by insurance companies after filing of claims by passengers and an amount of ₹27.22 Crores has been paid by the insurance companies to the passengers.

“The Optional Travel Insurance Scheme is an effective and passenger-friendly scheme. It offers insurance coverage at a low premium of ₹0.45/-, making it affordable and accessible for all passengers who book e-ticket,” he added.

The Railway Minister informed the House that passengers can seamlessly opt-in/opt-out easily by simply checking the Tick Box while booking tickets on the IRCTC website or app.

“The process is simple and integrated, requiring no separate application or documentation at the time of booking,” he said.



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Cut off welfare, DEI in Australia + travel insurance miscalculations

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Nearly 1,000 jobseekers had their payments cancelled over a 2 year period, even with laws in place to stop it happening. Here’s what went wrong, and why the federal watchdog is calling it a “catastrophe”.  

And is Donald Trump’s war on DEI coming here? We ask Australia’s Race Discrimination Commissioner. 

Plus: lost luggage, ski injuries, scooter accidents. Ever thought you were covered by your travel insurance… when you really weren’t? We’re breaking down what’s actually in the fine print.

Listen now:

01:20 – Why jobseekers were cut off out of the blue

05:55  – How the government should tackle racism in Australia 

15:15 – The nightmare of not being covered properly by travel insurance

22:00 – What you need to know about the fine print

Guests: 

  • Giridharan Sivaraman, Race Discrimination Commissioner
  • Tim Bennett, insurance expert

Get the whole story from Hack:

  • Follow us on Instagram
  • Subscribe to the hack podcast
  • Listen on the triple j app or on your radio live every weeknight at 5:30pm





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Brit stuck in intensive care in Greece with no way home despite having travel insurance

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A British tourist is being kept in Greece on a ventilator after a £14,000 mistake involving his holiday insurance.

Alan Kirby, from Somerset, started to look ‘dreadful, grey and pale’ after feeling a pain in his side while out for dinner with his family in Zante on 5 July.

The car valeter, 67, who had been playing with his stepdaughter’s children in the sea, woke up struggling to breathe and decided to book himself in with the doctors.

They advised him that he should go back to the UK for a biopsy on a mass in his lung as they feared it could be cancer.

However, before Alan could get himself on a flight home, his condition got worse and he was eventually put on a ventilator to help with his breathing.

He was airlifted to a private hospital in Athens, and doctors told the family that they got in touch with his insurance company who claimed Alan was aware of the mass, telling him that it was a benign fatty tissue.

Alan Kirby was just three days into his holiday in Greece when he fell ill (SWNS)

But given that it was a pre-existing medical condition, which hadn’t been declared to insurers, it invalidated his health cover abroad.

This meant that the family were left with a £14,000 hospital bill.

At the moment, Alan remains on a ventilator – covered by his Global Health Insurance Card – and is too unwell to fly home on a normal flight.

Alan can’t fly home on a conventional flight (SWNS)

The only way he can get home is by a £45,000 private medical flight, which isn’t covered by his insurance.

Alan’s stepdaughter Liza Whitemore, 40, said: “We know we’ve made the mistake [with the insurance] – that’s the problem.

“My mum had gone into the bank that she had insurance with and they said, ‘just go on holiday, you don’t have to do anything’. They didn’t know about the mass.

“And he was well before – he was working as a car valeter the day before the holiday.”

His family are trying to raise money to bring him back to Somerset (SWNS)

Alan was just three days into his trip with his partner Helen Whitemore, 62, Liza and her three daughters, when he fell ill.

He was moved to Athens’ General Hospital, where his care is covered by his GHIC card.

Liza, a private care assistant, explained: “The insurance didn’t know about it.

Alan’s travel insurance didn’t cover his return (SWNS)

“He’s still on a ventilator. There’s a talk about him going into a coma, but we don’t know if it’s cancer or pneumonia doing the damage.

“He’s fine, then he’s not, he’s fine, then he’s not.

“He’s really breathless – on the phone he can’t say more than a few sentences.

“We’re just desperate to get him home.”

His family are now back in Somerset and are trying to raise £45,000 via GoFundMe for his return.



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