What is irctc travel insurance?

As of September 1, 2018, the IRCTC will no longer offer free travel insurance to its passengers. Therefore, travel insurance, whether gratis or purchased, is a need. Buying travel insurance is relatively safe and offers several benefits. This is why you need rail travel insurance.
Train travel insurance perks
Travel insurance covers you up to INR 10 lakh in case of a railway accident (for death or any permanent disability caused).
Permanent disability insurance of INR 7.5 lakh. And that’s on top of the 2,000-rupee
The insurance covers theft, robbery, and accidents.
Availability of IRCTC train insurance
Passengers ordering train E-tickets through IRCTC’s official website or app may purchase optional rail travel insurance for 68 paise. Other than that, it’s the same as in India.
No coverage for children under the age of five.
This insurance is exclusively available to Indian nationals; outsiders are not eligible.