Indian Railways will extend its Optional Travel Insurance Scheme (OTIS) to passengers booking reserved tickets at Passenger Reservation System (PRS) counters across its network from October 27, 2026. The facility, currently available to passengers booking e-tickets through IRCTC, will now also cover eligible passengers purchasing reserved tickets at railway reservation counters.

According to a press release issued by Western Railway Chief Public Relations Officer Vineet Abhishek on Sunday, the insurance facility will remain optional. Passengers must opt for the scheme, provide a mobile number and pay the premium digitally to avail themselves of the cover. The insurance premium will be collected along with the ticket fare, with digital payment being mandatory.