#IRCTC should adopt floating or randomised insurance provider selection through algorithmic allocation of service provider

Is it time that IRCTC provides insurance scheme or coverage to its passenger's for every PNR via all insurance providers registered with IRDA through a randomization algorithm that auto selects the insurance providers when tickets are booked for every PNR?

To the best of my knowledge  the insurance is currently provided only through the following provider'

Bharti Axa General Insurance, Bajaj Allianz General Insurance and Shriram General Insurance only,

https://www.google.com/amp/s/www.livemint.com/v/s/www.livemint.com/money/personal-finance/irctc-offers-insurance-at-less-than-50-paise-per-train-passenger-how-it-works/amp-1568604340605.html%3famp_js_v=0.1&usqp=mq331AQHKAFQArABIA%253D%253D#ampf=

I think as a Government organisation they should support or remain neutral and include every service provider registered with IRDA particularly when the insurance coverage has to be provided by a Governmental organisation like IRCTC.

What do think or say about this suggestion?