The Ministry of Road Transport and Highways (MoRTH) has officially notified the Cashless Treatment of Road Accident Victims Scheme, 2025, effective from May 5, 2025. Under this scheme, any individual injured in a road accident involving a motor vehicle, on any road across India, is eligible for cashless treatment of up to ₹1.5 lakh per accident at designated hospitals.
The scheme covers medical treatment for a maximum of seven days from the date of the accident. The benefit is available at hospitals designated under the scheme. In case the victim is taken to a non-designated hospital, only stabilisation measures will be provided, after which the patient may be shifted to a designated facility.
The National Health Authority (NHA) is the central implementing body. It will work with State Health Agencies, police departments, and hospitals to operationalise the scheme. In each state and Union Territory, the State Road Safety Council will act as the nodal agency, managing hospital onboarding, claims, and payments.
Hospitals are required to submit treatment claims on a designated portal after the patient is discharged. These claims must include all relevant documents. The State Health Agency will review the submission and either approve, partially approve, or reject it, with reasons documented on the portal.
A steering committee has been constituted at the central level, chaired by the Secretary of MoRTH and including representatives from the Ministry of Health, Ministry of Finance, Ministry of Home Affairs, the NHA, and insurance bodies. The committee will meet at least twice a year. Implementation in states and UTs will be monitored by their respective State Road Safety Councils.
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The scheme is notified under Section 162(2) of the Motor Vehicles Act, 1988. MoRTH data shows over 4.80 lakh road accidents and 1.72 lakh deaths occurred in 2023, marking a rise from the previous year.
The cashless treatment scheme plans to standardise emergency care access after road accidents, using existing state and national health systems for coordination and delivery.
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Published on: May 7, 2025, 2:13 PM IST
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