Cashless Treatment of Road Accident Victims Scheme

Road Accident Victims will now get free cashless treatment up to Rs. 1,50,000/- for 7 days in Ayushman Bharat-PM Ayushman Yojana empaneled hospitals under the Central Government’s new initiative, the Cashless Treatment of Road Accident Victims Scheme.
Read here for complete details about the scheme.

Introduction of Cashless Treatment of Road Accident Victims Scheme: A Brief Insight

• Central Government launched the Cashless Treatment of Road Accident Victims Scheme on 14-03-2024 as a pilot project in Chandigarh and Assam.
• Then on 05-05-2025, the Government will extend its benefits to the whole country, and now the benefits will be applicable across India.
• The main objective of the Government behind starting this cashless medical scheme is to establish a robust ecosystem in which timely medical care will be provided to those victims who meet with a road accident during the golden hour.
• This scheme is implemented by the Central Government’s Ministry of Road Transport and Highways in coordination with State Health Agencies, Police, and Hospitals.
• The government will provide free and cashless treatment to those victims who somehow met with a road accident and got injured.
• Road Accident Victims can avail the benefit of cashless treatment up to Rs. 1,50,000/- under the Cashless Treatment of Road Accident Victims Scheme.
• This cost covers the treatment for 7 days from the date of the accident.
• This scheme covers any type of road accident caused by any type of motor vehicle at any category of Indian road.
• Cashless Treatment under this scheme will be provided only in empanelled hospitals of Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana.
• It is mandatory to inform the police within 24 hours about the accident.
• Empanaled Hospitals will not charge any fees or any amount for treatment.
• They will file reimbursement from the Government for providing free cashless treatment to road accident victims.

Benefits Provided to Eligible Beneficiaries

• Central Government under its Cashless Treatment of Road Accident Victims Scheme will provide the following benefits to those people who met with a road accident :-
  • Free Cashless Treatment up to Rs. 1.5 Lakh.
  • Treatment will be provided for a maximum period of 7 Days from the Accident.
  • Free Cashless Treatment will apply to all Road Accidents caused by any motor vehicle on any category of road.
  • Trauma and Polytrauma Care Health Package Included.
  • Cashless Treatment at more than 30,000/- emapanelled hospitals in Ayushman Bharat Yojana.

Eligibility Conditions Required to be Fulfilled

• Free Cashless Treatment will be provided to road accident victims only if the following eligibility conditions of the Cashless Treatment of Road Accident Victims Scheme are fulfilled :-
  • Police will be informed within 24 Hours about the Accident.
  • Free Cashless Treatment will only be Applicable in Ayushman Bharat PM – Jan Arogya Yojana Empanelled Hospitals.
  • Treatment will also include Trauma and Polytrauma Care.
  • Cashless Treatment will be provided only for 7 Days from the Date of the Accident.

Documents Required to be Attached

• Documents that are required at the hospital to avail the benefit of free treatment under the Central Government’s Cashless Treatment of Road Accident Victims Scheme are mentioned below :-
  • Aadhaar Card of the Victim.
  • Or Any Valid photograph-based Identity Proof.

How Beneficiaries Can Apply to Avail the Benefit of this Scheme

• There is no need to apply for the Cashless Treatment of Road Accident Victims Scheme to avail the benefit of free cashless treatment at the hospital if someone meets with a road accident.
• All Indian Citizens are automatically eligible to avail the benefit of cashless treatment at the empanelled hospital if they, unluckily somehow met with a road accident.
• If any person is met with a road accident by any motor vehicle on any road, then he has to visit the nearby hospital with the help of bystanders at any hospital which is empanelled under Ayushman Bharat – PM Jan Arogya Yojana.
• Informing the Police within 24 hours of the accident is mandatorily required.
• All the documentation related to getting cashless treatment under the Central Government’s Cashless Treatment of Road Accident Victims Scheme will be done at the hospital level and done by hospital staff present.
• Empanelled Hospital then raised a reimbursement for providing free and cashless treatment from the Government which is reimbursed to the hospital from the Motor Vehicle Accident Fund.

Important Links Available

• Official Announcement of Cashless Treatment of Road Accident Victims Scheme.
• Official Website of Ministry of Road Transport and Highways.

Contact Details in Case of Help Needed

• Contact Details of Ministry of Road Transport and Highways.
• Address of Ministry of Road Transport and Highways :-
  Transport Bhawan, 1 Parliament Street,
  New Delhi – 110001.

Frequently Asked Questions

• What is the Cashless Treatment of Road Accident Victims Scheme of the Central Government?
  -It is a central government initiative to provide free and cashless medical treatment up to ₹1.5 lakh to road accident victims across India.
• Who can avail benefits under this scheme?
  -Any Indian citizen who is injured in a road accident involving a motor vehicle on any Indian road is eligible for the scheme benefits.
• Is there any need to apply separately for this scheme?
  -No, there is no need to apply. All eligible victims can directly access treatment at empanelled hospitals.
• What is the maximum duration for free treatment under the scheme?
  -Treatment is covered for a maximum of 7 days from the date of the accident.
• Are private hospitals included in the scheme?
  -Only those private or public hospitals that are empanelled under Ayushman Bharat – PM Jan Arogya Yojana can provide treatment under this scheme.
• What types of injuries are covered in the scheme?
  -The scheme covers trauma and polytrauma injuries resulting from road accidents.
• Is there any condition related to informing the police?
  -Yes, it is mandatory to inform the police about the accident within 24 hours to be eligible for the scheme benefits.
• What documents are required at the hospital for treatment?
  -Aadhaar card or any valid photo identity proof of the victim is required.
• How is the hospital reimbursed for the free treatment provided?
  -The hospital claims reimbursement from the government through the Motor Vehicle Accident Fund after providing treatment.
• Can foreigners or tourists avail this scheme in case of an accident?
  -No, the scheme is currently applicable only to Indian citizens.

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