🚑 PM RAHAT Scheme: Free & Cashless Treatment for Road Accident Victims
The PM RAHAT scheme (short for Pradhan Mantri Road accident Victims Hospitalisation and Assured Treatment) is a government‑backed emergency medical cover designed to reduce deaths and financial hardship caused by road accidents.Key Goal:
👉 To ensure accident victims receive immediate medical care without having to pay upfront, especially during the critical “golden hour.”📊 Main Benefits of the PM RAHAT Scheme🩺 1. Cashless Treatment Up to ₹1.5 Lakh
✔ There is no restriction based on age, class, or insurance status.
✔ Both insured and uninsured accident cases are covered; payment will be made either by the insurance company or directly from the government fund.🧠 How the Scheme Works👮 Police and Emergency Link
👉 To ensure accident victims receive immediate medical care without having to pay upfront, especially during the critical “golden hour.”📊 Main Benefits of the PM RAHAT Scheme🩺 1. Cashless Treatment Up to ₹1.5 Lakh
- Every eligible road accident victim is entitled to cashless hospital treatment up to ₹1,50,000 per person.
- This cover is valid for up to 7 days from the date of the accident.
- Victims do not have to pay at the hospital — the government/budget fund settles the bill.
- For non‑life‑threatening injuries: initial treatment covered for up to 24 hours.
- For critical or life‑threatening injuries: stabilisation care for up to 48 hours.
- Police confirmation is required within this timeframe to access full benefits.
- Treatment is provided at hospitals empanelled under the scheme (including Ayushman Bharat network hospitals).
- If a victim first reaches a non‑designated hospital, only basic stabilisation care is covered before transfer.
✔ There is no restriction based on age, class, or insurance status.
✔ Both insured and uninsured accident cases are covered; payment will be made either by the insurance company or directly from the government fund.🧠 How the Scheme Works👮 Police and Emergency Link
- Calling 112 (Emergency Response Support System) after an accident connects the victim to ambulance services and helps coordinate care.
- Digital systems link the accident report and hospital admission to speed up verification and treatment.
- Hospitals file claims through an integrated wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital platform.
- Payments are reimbursed via the Motor Vehicle accident Fund (MVAF).
- Insured cases may involve contributions from general insurers; for uninsured & hit‑and‑run accidents, government budget funds pay the hospital directly.
- Removes financial barriers at a time when immediate treatment can save lives.
- Encourages quick emergency response and reduces fatalities due to delays in care.
- Works with existing healthcare and emergency infrastructure to provide seamless support.