The additional 10 yuan charged when buying a train ticket is usually charged as a “refund fee” or a “refund or change service fee.” This is because once a train ticket is sold, it has occupied seat resources for the railway operator. Therefore, if a passenger cancels the trip, the seat needs to be reallocated, which will incur a certain cost. As for canceling the 10 yuan insurance, you can usually choose whether to purchase insurance when purchasing tickets. If you have purchased insurance and want to cancel, you can follow the steps below:
Online Cancellation: If you purchase tickets online, you can do so through the original ticket purchase website or mobile app. After logging in to your account, find the purchased insurance order and follow the prompts to cancel it.
Cancellation at the train station: If you purchased your ticket and purchased insurance at the train station, you can go to the ticket window and explain the situation to the staff, who will help you handle the cancellation procedures.
12306 customer service hotline: If the above method is inconvenient, you can also call the 12306 customer service hotline and follow the voice prompts, or communicate directly with the customer service staff to request cancellation of the insurance.
Please note that insurance fees paid are generally not refundable upon cancellation. Before operating, it is recommended to read the relevant insurance terms carefully to understand the specific provisions for canceling insurance.