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Thursday, 8 May 2025

Government Introduces Cashless Treatment Scheme for Road Accident Victims, Covering Medical Costs Up to ₹1.5 Lakh Without Upfront Payment

The Government of India introduced a transformative cashless treatment scheme for road accident victims on 5 May 2025, ensuring immediate medical care without financial barriers. This initiative, aimed at saving lives through timely intervention, provides treatment costs up to ₹1.5 lakh per person, per accident, with no upfront payment. Below, we explore the scheme’s details, implementation, and significance for competitive exam aspirants.

Scheme Details

Overview of Coverage

The cashless treatment scheme is available to any individual injured in a road accident across India. It addresses financial constraints that often delay critical medical care, offering treatment at designated hospitals for up to seven days post-accident.

Implementation Process

Role of National Health Authority

The National Health Authority (NHA) oversees the scheme’s execution, collaborating with police, hospitals, and State Health Agencies. If treatment occurs at a non-designated hospital, only stabilisation care is provided until the victim is transferred to a designated facility.

Monitoring and Oversight

Steering Committee

A steering committee, chaired by the Road Secretary, ensures effective implementation. Comprising representatives from various ministries, the committee builds on a pilot launched in March 2024, reflecting the government’s commitment to road safety and healthcare access.

How to Avail the Scheme

Accessing Designated Hospitals

Victims must seek treatment at designated hospitals listed on the State Road Safety Council or NHA portal. Reporting the accident to the police is essential, as their report facilitates claim processing.

Financial Aspects

Claim Settlements

No upfront payment is required at designated hospitals, with the NHA handling claims up to ₹1.5 lakh. Victims should retain medical reports, bills, and the police FIR for future reference or follow-ups.

Duration of Coverage

Seven-Day Treatment Window

The scheme covers medical expenses for seven days from the accident date. Beyond this period, victims may need to rely on personal insurance or other healthcare options for continued treatment.

This cashless treatment scheme is a significant step towards improving road safety and healthcare accessibility in India. 

For competitive exam aspirants, understanding such initiatives is crucial for questions on government schemes, public health, and current affairs. Stay updated with GKboard.in for more insights!