PM Rahat Scheme: Cashless Treatment up to ₹1.5 Lakh for Road Accident Victims

Key facts

• The Ministry of Road Transport & Highways (MoRTH) announced the Pradhan Mantri Rahat Road Accident Victim Hospitalization and Assured Treatment (PM Rahat) Scheme.
• Eligible road accident victims on any category of road can avail of cashless treatment up to ₹1.5 lakh for seven days from the accident date.
• Victims or good samaritans may dial 112 to obtain details of the nearest designated hospital and request ambulance assistance.
• Stabilisation treatment is provided for a maximum of 24 hours in non-life-threatening instances and up to 48 hours in life-threatening cases, subject to police validation.
• Reimbursements to hospitals will be made through the Motor Vehicle Accident Fund (MVAF), with the State Health Agency (SHA) paying accepted claims within 10 days.
• The government will use budgetary allocations to pay for treatment in hit-and-run and uninsured vehicle instances.
• The scheme integrates the Electronic Detailed Accident Report (eDAR) platform of the MoRTH with the Transaction Management System (TMS 2.0) of the National Health Authority (NHA).
• The Pradhan Mantri Suraksha Bima Yojana (PMSBY) offers accidental death or total disability cover of ₹2 lakh and partial disability cover of ₹1 lakh for an annual premium of ₹20.