## Policy Summary: Cashless Treatment for Road Accident Victims Scheme, 2025
**Purpose:** To provide immediate cashless medical treatment to road accident victims across India, ensuring timely access to care and reducing financial burden.
**Key Provisions:**
* **Implementation:** The Cashless Treatment of Road Accident Victims Scheme, 2025, has been notified nationwide (S.O. 2015(E) dated May 5, 2025, and Guidelines S.O. 2489(E) dated June 4, 2025).
* **Eligibility:** Any person who is a victim of a road accident caused by a motor vehicle is eligible.
* **Coverage:** Entitled to treatment cover up to Rs. 1.5 lakh per victim.
* **Duration:** Coverage is capped at a maximum of 7 days from the date of the accident.
* **Service Provider:** Treatment can be availed at any designated hospital across the country.
**Alignment with Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PMJAY):**
* While not directly under AB PMJAY, the scheme aligns with its objectives by ensuring timely, equitable, and cashless access to trauma care.
* The scheme utilizes the National Health Authority's IT platform for registration, verification, and claim processing.
* It leverages existing hospital networks and defined health benefit packages to ensure continuity of care, portability, and financial protection.
**Funding:**
* Jointly funded by general insurance companies for cases where the offending motor vehicle is insured.
* For accidents involving uninsured motor vehicles, budgetary support will be provided by the Central Government.
* The allocated budget for uninsured cases during the financial year 2025-26 is Rs. 272 Crore.
Key Entities Referenced
Ministry of Road Transport and Highways: The Indian government ministry responsible for the formulation and administration of rules, regulations and laws relating to road transport, national highways and transport research.
Cashless Treatment of Road Accident Victims Scheme, 2025: A scheme by the Ministry of Road Transport and Highways to provide cashless treatment to road accident victims.
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana AB PMJAY: A national public health insurance fund of the Government of India that aims to provide free access to health insurance coverage for qualifying individuals across the country.
Shri Nitin Jairam Gadkari: The Minister of Road Transport and Highways in India.
National Health Authority: The apex body responsible for the implementation of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).
Rs. 1.5 lakh: The maximum treatment cover provided per road accident victim under the Cashless Treatment of Road Accident Victims Scheme, 2025.
Rs. 272 Crore: The budgetary fund allocated for the Cashless Treatment of Road Accident Victims Scheme for uninsured cases during the financial year 2025-26.
5th May, 2025: Date of notification of the Cashless Treatment of Road Accident Victims Scheme, 2025.
GOVERNMENT OF INDIA
MINISTRY OF ROAD TRANSPORT AND HIGHWAYS
LOK SABHA
UNSTARRED QUESTION NO. 3088
ANSWERED ON 7TH AUGUST, 2025
CASHLESS TREATMENT FOR ROAD ACCIDENT VICTIMS
3088. Shri Pratap Chandra Sarangi:
Shri Rajesh Naranbhai Chudasama:
Smt. Aparajita Sarangi:
Shri Vishnu Dayal Ram:
Shri Amar Sharadrao Kale:
Shri Suresh Kumar Kashyap:
Shri Shivmangal Singh Tomar:
Shri Vijay Kumar Dubey:
Will the Minister of ROAD TRANSPORT AND HIGHWAYS
सड़क परिवहन औि िाजमार्ग मंत्री
be pleased to state:
(a) the current status of implementation of the cashless
treatment scheme for road accident victims across all the States
and Union Territories;
(b) the manner in which this scheme aligns with the broader
objectives of the Ayushman Bharat Pradhan Mantri-Jan Arogya
Yojana (AB PM-JAY) in providing trauma care; and
(c) the budget allocation and funding mechanism for cashless
treatment of road accident victims for the current and next fiscal
year?
ANSWER
THE MINISTER OF ROAD TRANSPORT AND HIGHWAYS
(SHRI NITIN JAIRAM GADKARI)(a) Cashless Treatment of Road Accident Victims Scheme, 2025
(Scheme) has been notified on a pan India basis vide S.O. 2015(E)
dated the 5th May, 2025 and the Guidelines of the Scheme have been
notified vide S.O. 2489(E) dated the 4th June, 2025. Under this Scheme
any person who is a victim of road accident caused by the use of a
motor vehicle shall be entitled to treatment cover upto Rs. 1.5 lakh per
victim, subject to a maximum cap of 7 days from date of accident at
any designated hospital across the country.
(b) Although 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 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.
(c) The Scheme is jointly funded with contributions by the general
insurance companies for cases where offending motor vehicle is
insured. For cases involving road accidents by motor vehicles other
than insured motor vehicles, budgetary support will be provided by
Central Government. The budgetary fund allocated under the Scheme
for other than insured cases during financial year 2025-26 is Rs. 272
Crore.
*****