Prime Minister Narendra Modi this week approved the launch of the PM RAHAT (Road Accident Victim Hospitalization and Assured Treatment) Scheme. The govt scheme aims to ensure that no life is lost due to lack of immediate medical assistance after a road accident.
Who is covered under Rs 1.5 lakh PM RAHAT scheme
Under the Scheme, every eligible road accident victim on any category of road will be entitled to cashless treatment up to Rs 1.5 lakh per victim, for period of 7 days from the date of accident.
Stabilization treatment will be provided for up to 24 hours in non-life-threatening cases and up to 48 hours in life-threatening cases, subject to police authentication on an integrated digital system.
What is covered under Rs 1.5 lakh PM RAHAT scheme
PM RAHAT is implemented through a robust, technology-driven framework amalgamating the Electronic Detailed Accident Report (eDAR) platform of the Ministry of Road Transport and Highways with the Transaction Management System (TMS 2.0) of the National Health Authority.
This integration enables seamless digital linkage from accident reporting to hospital admission, police authentication, treatment administration, claim processing, and final payment. Police confirmation is required within defined timelines – 24 hours for non-life-threatening cases and 48 hours for life-threatening cases – ensuring accountability while allowing uninterrupted emergency care.
Integration with the Emergency Response Support System (ERSS) 112 helpline ensures that accident victims reach hospitals within the Golden Hour. Road accident victims, Rah-Veer (Good Samaritans), or any person at the accident site may dial 112 to obtain details of the nearest designated hospital and request ambulance assistance, enabling swift coordination between emergency responders, police authorities and hospitals.
PM RAHAT scheme: Hospital Reimbursement
Reimbursement to hospitals will be made through the Motor Vehicle Accident Fund (MVAF). In cases where the offending vehicle is insured, payment will be drawn from contributions made by General Insurance Companies.
In uninsured and Hit & Run cases, payment will be made through budgetary allocation by Government of India. Claims approved by the State Health Agency will be paid within 10 days, thereby providing financial certainty to hospitals and encouraging uninterrupted treatment.
PM RAHAT scheme: Grievances
Grievances of road accident victims will be addressed by a Grievance Redressal Officer nominated by the District Road Safety Committee chaired by the District Collector / District Magistrate / Deputy Commissioner, ensuring accountability at the district level.
“India records a significant number of road accident fatalities every year, many of which are preventable with timely medical intervention. Studies indicate that nearly 50% of road accident deaths can be averted if victims are admitted to hospital within the first hour,” Ministry of Road Transport & Highways.
