**Executive Summary**
This document is a response to Lok Sabha Unstarred Question No. 2259 regarding the Cashless Treatment Scheme for Road Accident Victims, answered on February 12, 2026. It details accident statistics from 2020-2024, provides an update on the Cashless Treatment Scheme, and references notifications and guidelines related to its implementation. The Cashless Treatment Scheme was notified on 05.05.2025 and detailed SOPs were issued on 04.06.2025.
**Key Points / Main Content**
*Road Accident Statistics (2020-2024):*
* The Government publishes a report on “Road Accidents in India” based on data received from States/UTs.
* The document provides a table detailing the number of road accidents from 2020 to 2024, classified by the type of vehicle impacting.
*Cashless Treatment Scheme for Road Accident Victims:*
* The Cashless Treatment for Road Accident Victims Scheme, 2025 was notified on 05.05.2025. SOPs for implementation were issued on 04.06.2025.
* The scheme was implemented in 6 States/UTs (Chandigarh, Assam, Punjab, Uttarakhand, Haryana, and Puducherry) on Pilot Mode.
* Since implementation, 6,833 treatment requests were raised, with 5,480 victims found eligible and receiving cashless treatment.
*Key Features of the Scheme:*
* Treatment cover of up to Rs. 1.5 lakh per victim is provided, capped at 7 days from the accident date, for accidents caused by motor vehicles.
* Stabilization treatment is provided for up to 24 hours in non-life-threatening cases and 48 hours in life-threatening cases at designated hospitals, subject to police response.
* The scheme takes precedence over other Central/State level schemes.
* Implementation utilizes eDAR (electronic Detailed Accident Report) by Police and TMS 2.0 (Transaction Management System) of National Health Authority (NHA) by hospitals.
* Reimbursement to hospitals is done through the Motor Vehicle Accident Fund (MVAF), funded by General Insurance companies and budgetary support.
**Impact Analysis**
**States / UTS**
*Impact*
* Provide accurate and timely data on road accidents to the Government for the "Road Accidents in India" report.
*Action Required*
* Comply with the standardized data reporting requirements for accidents.
**Road Accident Victims**
*Impact*
* Eligible victims receive cashless treatment up to Rs. 1.5 lakh within 7 days of the accident.
* Receive stabilization treatment (up to 24/48 hours) at designated hospitals.
*Action Required*
* Seek treatment at designated hospitals.
**Hospitals**
*Impact*
* Provide treatment to road accident victims under the scheme.
* Submit claims for reimbursement through TMS 2.0 of NHA.
*Action Required*
* Register on TMS 2.0 and follow the claim submission process.
**Police Officials**
*Impact*
* Report accidents using the eDAR platform.
*Action Required*
* Utilize the eDAR system for reporting accidents.
**General Insurance Companies**
*Impact*
* Contribute to the Motor Vehicle Accident Fund (MVAF).
*Action Required*
* Fulfill contribution obligations to the MVAF.
Key Entities Referenced
Cashless Treatment Scheme for Road Accident Victims: A scheme providing cashless treatment to road accident victims, covering up to Rs. 1.5 lakh per victim for a maximum of 7 days from the accident date. Being piloted in select States/UTs.
Motor Vehicles Act, 1988, Section 162: The legal mandate under which the Cashless Treatment Scheme for Road Accident Victims is implemented.
Motor Vehicle Accident Fund (MVAF): The fund used to reimburse hospitals for treating road accident victims under the Cashless Treatment Scheme.
Ministry of Road Transport and Highways: The ministry responsible for answering questions regarding the Cashless Treatment Scheme for Road Accident Victims.
Road Accidents in India: A report published by the government based on data received from States/UTs, detailing road accidents.
GOVERNMENT OF INDIA
MINISTRY OF ROAD TRANSPORT AND HIGHWAYS
LOK SABHA
UNSTARRED QUESTION NO. 2259
ANSWERED ON 12TH FEBRUARY, 2026
CASHLESS TREATMENT FOR ROAD ACCIDENT VICTIMS
2259. SHRI DAGGUMALLA PRASADA RAO:
Will the Minister of ROAD TRANSPORT AND HIGHWAYS
सड़क परिवहन औि िाजमार्ग मंत्री
be pleased to state:
(a) the number of road accidents reported during the last five years,
vehicle-type-wise;
(b) the details of the Cashless Treatment Scheme for road accident
victims which has been implemented, along with the number of victims
who have benefited thereunder, State/UT-wise; and
(c) whether the Government proposes to expand the said Cashless
Treatment Scheme to additional States and Union Territories, and if so,
the details thereof including the timelines for such expansion?
ANSWER
THE MINISTER OF ROAD TRANSPORT AND HIGHWAYS
(SHRI NITIN JAIRAM GADKARI)
(a) Government publishes report on “Road Accidents in India” based
on data received from States/ UTs. As per the report, number of road
accidents during the years 2020 to 2024, classified by type of
impacting vehicles is given in the table below :-
States / UTs 2020 2021 2022 2023 2024
1. Pedestrian 58,512 68,053 77,004 94,446 94,780
2. Bicycles 9,737 10,558 10,726 10,854 11,034
3.Two Wheelers 1,59,772 1,83,955 2,03,395 2,23,446 2,31,160
4.Auto Rickshaws 17,823 18,764 21,329 20,266 18,379
5. Cars, Taxis, Vans and LMVs 62,580 65,990 75,331 65,340 67,988
6.Trucks/Lorries 27,208 26,287 28,625 24,329 23,778
7.Buses 10,211 10,126 13,814 12,502 12,334
8. Other non-motorized vehicle (E-
5,004 5,273 5,269 4,409 4,003
rickshaw etc.)
Others 21,334 23,426 25,819 24,991 24,251
Total 3,72,181 4,12,432 4,61,312 4,80,583 4,87,707(b) and (c) In accordance with the legal mandate under Section 162 of
the Motor Vehicles Act, 1988, Cashless Treatment for Road Accident
Victims Scheme, 2025 has been notified vide S.O. 2015(E) dated
05.05.2025. Further, comprehensive guidelines detailing the process
flow, roles and responsibilities of various stakeholders, and the
Standard Operating Procedures (SOPs) for its implementation have
been issued vide S.O. 2489 (E) dated 04.06.2025.
The cashless treatment scheme was carried out in 6 States / UTs,
namely, Chandigarh, Assam, Punjab, Uttarakhand, Haryana and
Puducherry on Pilot Mode. Since implementation, 6,833 treatment
requests have been raised under the Scheme, of which 5,480 victims
have been found eligible and have received cashless treatment as per
the Scheme provisions.
Key features of the scheme include: -
(i) Treatment cover upto Rs. 1.5 lakh per victim will be provided,
subject to a maximum cap of 7 days from date of accident. The
treatment cover will be available to those victims who are involved in
road accidents caused by use of motor vehicles.
(ii) Every road accident victim shall be provided stabilization
treatment for upto 24 hours in non-life-threatening cases and upto 48
hours in life-threatening cases at designated hospitals, subject to
police response.
(iii) This statutory scheme will take precedence over any other
Central / State level schemes.
(iv) The scheme has been successfully implemented through the
amalgamation of two existing technological platforms : eDAR
(electronic Detailed Accident Report) used by Police officials for
reporting of accidents and TMS 2.0 (Transaction Management System)
of National Health Authority (NHA) used by hospitals for treatment,
claim submission and processing of payments. The reimbursement to
hospitals is being done through Motor Vehicle Accident Fund (MVAF)
which is funded through contributions from General Insurance
companies for cases where the offending Motor Vehicle is insured and
through budgetary support for other-than-insured cases.
***