At any designated hospital across the country, any person who is a victim of a road accident caused by the use of a motor vehicle shall be entitled to cashless treatment covered up to Rs. 1.5 lakh per victim, subject to a maximum cap of 7 days from the date of the accident.
This information was given by the Union Minister of Road Transport and Highways, Nitin Jairam Gadkari, in a written reply to the Lok Sabha. The scheme does not fall within the ambit of Ayushman Bharat—Pradhan Mantri Jan Arogya Yojana (AB-PM-JAY); being a statutory scheme, it ensures timely, equitable, and cashless access to trauma care for road accident victims.
The scheme is jointly funded with contributions by the general insurance companies for cases where the offending motor vehicle is insured. For cases involving road accidents by motor vehicles other than insured motor vehicles, budgetary support will be provided by the Central Government. The budgetary fund allocated under the scheme for other than insured cases during the financial year 2025-26 is Rs. 272 crore.
The scheme leverages the IT platform of the National Health Authority for registration, verification, and claim processing, enabling paperless and efficient service delivery. By utilizing the existing hospital network and defined health benefit packages, the scheme ensures continuity of care, portability, and financial protection in emergency situations.
