Abstract: In order to make personal accident passengers receive timely assistance, while reduce the pressure of railway enterprise economy and public opinion, it is necessary to carry out the railway passenger personal accident injury insurance business. Based on the overall framework of the new generation railway ticketing and reservation system, this paper discussed the centralized model of railway passenger personal accident injury insurance business, and the system architecture of three level application by using C/S and B/S technology, described the design of business function for insurance sales and insurance alteration as well as insurance cancellation from two aspects of the 12306 Website and the station windows. Supported by stable and reliable technical architecture, the insurance sales business is practiced well, can meet the needs of the business, gets significant social benefits. It was prospected other passenger service vision.