The Central Government introduced a scheme under which each passenger travelling by Indian Railways can obtain an optional insurance cover of up to 10 lakh rupees by paying around 92 paise while booking a ticket. What is this scheme commonly called?

Introduction / Context:
In recent years, Indian Railways, along with insurance companies, introduced an optional low cost travel insurance facility for passengers. This facility provides a high sum insured for a very small premium added during online ticket booking. For general awareness and banking or railways exams, candidates must be able to link the description of the benefit with the correct scheme name.

Given Data / Assumptions:

• The insurance cover is up to 10 lakh rupees per passenger.
• The premium is about 92 paise per passenger at the time of ticket booking.
• The context is passengers travelling by Indian Railways.

Concept / Approach:
The description clearly points to the passenger travel insurance facility introduced with online ticketing on the Indian Railway Catering and Tourism Corporation platform. It is commonly referred to as railway travel insurance for passengers or optional travel insurance while booking tickets. Other schemes mentioned in the options have totally different objectives and target groups, so they can be eliminated.

Step-by-Step Solution:
Step 1: Focus on the key details: insurance coverage amount, very low premium and rail travel context.Step 2: Recall that Indian Railways allows passengers to opt for travel insurance at a nominal premium while booking tickets online.Step 3: Note that no other flagship government scheme with names like Gangajal Delivery or Mission Bhagiratha matches the insurance description.Step 4: Identify the option that directly mentions Railway Travel Insurance for passengers.Step 5: Select that option as the correct answer because it best summarises the scheme in the question.

Verification / Alternative check:
Another way to check is to remember that Gangajal Delivery Scheme is related to supplying holy water and Mission Bhagiratha deals with drinking water supply in Telangana, not insurance. National Apprenticeship Promotion Scheme supports apprenticeship training and has nothing to do with travel insurance. This confirms that only the option related to railway travel insurance fits the description.

Why Other Options Are Wrong:
Gangajal Delivery Scheme: This scheme is associated with delivery of Gangajal and is not about insurance for railway passengers.
Mission Bhagiratha in Telangana: It aims to provide safe drinking water to households in Telangana and does not involve travel insurance.
National Apprenticeship Promotion Scheme: This scheme promotes apprenticeship training for youth and industry, unrelated to passenger insurance.
Pradhan Mantri Suraksha Rail Yojana: This name does not correspond to the actual scheme described; it is not the recognised title for the low premium railway travel insurance.

Common Pitfalls:
Because many schemes have names that sound protective or developmental, students may be tempted to choose a fancy sounding option instead of the straightforward descriptive name. To avoid this, concentrate on the function described: here it is clearly optional Railway Travel Insurance at the time of ticket booking, which directly guides you to the correct option.

Final Answer:
The scheme described is commonly known as the Railway Travel Insurance scheme for passengers.