**Executive Summary**
This document is the response from the Minister of Road Transport and Highways to questions regarding the implementation and effectiveness of the new cashless scheme for road accident victims. The scheme, notified on May 5, 2025, aims to provide cashless medical treatment to accident victims. Data included reflects fatalities from 2022-2024. Guidelines were issued June 4, 2025.
**Key Points / Main Content**
* **Road Accident Fatalities (2022-2024):**
* 2022: 1,68,491
* 2023: 1,72,890
* 2024: 1,77,177 (includes data from eDAR in West Bengal as of 08.12.2025)
* **Cashless Treatment Scheme Details:**
* The Scheme for Cashless Treatment of Road Accident Victims, 2025, has been notified on a pan-India basis (S.O. 2015(E), May 5, 2025). Guidelines were issued June 4, 2025 (S.O. 2489(E)).
* Pilot program initiated in selected States/UTs: Chandigarh, Assam, Punjab, Uttarakhand, Haryana, and Puducherry.
* 6,833 treatment requests have been raised since the pilot implementation, with 5,480 victims found eligible and receiving cashless treatment.
* Total funds disbursed under the Motor Vehicle Accident Fund: Rs. 73,88,848/-.
* **Key Features of the Scheme:**
* Treatment cover up to Rs. 1.5 lakh per victim, capped at 7 days from the accident date for accidents caused by motor vehicles.
* Stabilization treatment: up to 24 hours for non-life-threatening cases, up to 48 hours for life-threatening cases at designated hospitals (subject to police response).
* The scheme takes precedence over other Central/State level schemes.
* Implementation leverages eDAR (police accident reporting) and TMS 2.0 (National Health Authority, hospital claim submission).
* Joint funding: general insurance companies (insured vehicles), budgetary support (uninsured vehicles).
* **Scheme Updates (Based on Pilot Learnings):**
* Health:
* Stabilization module developed for non-designated hospitals.
* Integration of 112 (Emergency Response Support System) with TMS 2.0 is completed.
* Ambulance packages are now part of health benefit packages.
* Define cut-off period for initial admission: Defined as 24 hours.
* Police:
* Sensitization programs undertaken
* Improving Data Entry:
* Time to confirm road accident increased from 3 to 24/48 hours for police response.
* Jurisdictional issues:
* Transfer facility activated on eDAR
* **Framework for Timely Treatment:**
*Clear, time-bound framework ensures timely treatment and payments to hospitals.
*Stabilization treatment will be provided up to 24 hours in all hospitals for non-life-threatening cases and up to 48 hours in life-threatening cases at designated hospitals, subject to police response.
*Complete digital trail from accident reporting through ERSS to victim admission, treatment, police authentication, claim processing, and final payment.
**Impact Analysis**
**Impact**
*Road accident victims will receive timely, cashless medical treatment up to Rs. 1.5 lakh for the first 7 days after the accident.
**Action Required**
* Road accident victims involved in a motor vehicle accident should seek treatment at the nearest hospital.
**Impact**
*Hospitals and Medical Facilities:Hospitals will be providing treatment under the scheme and submitting claims.
**Action Required**
*Utilize TMS 2.0 (Transaction Management System) for treatment, claim submission, and processing of payments.
**Impact**
* Police Departments: Police are responsible for reporting accidents and providing a response.
**Action Required**
* Police departments should continue using the eDAR (electronic Detailed Accident Report) system and respond in an increased time-frame of 24/48 hours.
Key Entities Referenced
New Cashless Scheme for Injured Due to Road Accidents: A scheme for providing cashless medical treatment to road accident victims, offering coverage up to Rs. 1.5 lakh per victim for a maximum of 7 days from the accident date.
Motor Vehicles Act, 2019: The Act which has been amended to facilitate cashless medical treatment for road accident victims.
eDAR (electronic Detailed Accident Report): A platform used by police officials for reporting road accidents, integrated into the scheme.
TMS 2.0 (Transaction Management System): A platform of the National Health Authority (NHA) used by hospitals for treatment, claim submission, and processing payments under the scheme.
Chandigarh, Assam, Punjab, Uttarakhand, Haryana and Puducherry: States and Union Territories where a pilot program of the New Cashless Scheme for Injured Due to Road Accidents was initiated.
GOVERNMENT OF INDIA
MINISTRY OF ROAD TRANSPORT AND HIGHWAYS
LOK SABHA
UNSTARRED QUESTION NO. 3018
ANSWERED ON 18TH DECEMBER, 2025
NEW CASHLESS SCHEME FOR INJURED DUE TO ROAD ACCIDENTS
3018. SHRI DHAIRYASHEEL SAMBHAJIRAO MANE:
SHRI SUDHEER GUPTA:
SHRI CHAVAN RAVINDRA VASANTRAO:
DR. GUMMA THANUJA RANI:
Will the Minister of ROAD TRANSPORT AND HIGHWAYS
सड़क परिवहन औि िाजमार् गमत्रं ी
be pleased to state:
(a) whether despite all the efforts of the Government, the cases of
death due to accidents is continuously rising in the country and if so,
the details thereof;
(b) whether the Government has fully implemented the cashless
medical treatment for road accident victims across the country as per
the amended Motor Vehicles Act, 2019, if so, the details thereof
including the number of beneficiaries, State-wise;
(c) if so, the details thereof along with its salient features;
(d) whether the Government has issued any guidelines for
implementation of this scheme and if so, the details thereof;
(e) whether the Government has collected any data on the impact of
the cashless trauma care treatment during the golden hour for accident
victims, if so, the details thereof including the findings on the role of
the scheme in reducing road accident fatalities and injuries; and
(f) whether this scheme has numerous lacunae which makes
accident victims, particularly poor persons hard to avail its benefits
and if so, the steps taken to remove its shortcomings?
ANSWER
THE MINISTER OF ROAD TRANSPORT AND HIGHWAYS
(SHRI NITIN JAIRAM GADKARI)
(a) As per data received from Police Departments of States/Union
Territories, the number of road accident fatalities on all categories of
roads in the country for the years 2022 to 2024 are 1,68,491, 1,72,890
and 1,77,177 respectively. The data of 2024 includes the data taken
from eDAR in respect of West Bengal (as on 08.12.2025).(b) to (d) The Scheme for Cashless Treatment of Road Accident
Victims, 2025 (Scheme) has been notified on 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. To
acclimatize field officials with the operative details of the Scheme and
to achieve operational readiness of States/UTs, Pilot program of
Scheme was initiated in select States/UTs of Chandigarh, Assam,
Punjab, Uttarakhand, Haryana and Puducherry. Since pilot
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. The total
fund disbursed under the Motor Vehicle Accident Fund is Rs. 73,88,848/-
.
Key features of the scheme includes: -
(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 up to 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 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. Further, the Scheme is jointly funded with
contributions by the general insurance companies for cases where
offending motor vehicle is insured and for cases involving road
accidents by motor vehicles other than insured motor
vehicles, budgetary support will be provided by Central Government.
(e) and (f) The Scheme has been updated based on Pilot Learnings as
listed below:
Insight Action Taken
Health
Treatment to be provided Stabilisation module for non-designated
at nearest hospital hospitals has been developed
Mechanism for locating Integration of 112(Emergency Response
nearest hospital Support System) with TMS 2.0 completed
Include packages related Ambulance package made part of healthto ambulances benefit packages
Define cut-off period for Defined as 24 hours
initial admission
Police
Providing response on Sensitisation programs undertaken
eDAR Trainings and workshops conducted
Improving data entry
Time to confirm road Increased from 3 hours to 24/48* hours for
accident police response
Jurisdictional issues Transfer facility activated on eDAR
It is further informed that clear, time-bound framework has been put in
place to ensure timely treatment to road accident victims and
payments to hospitals.
Every road accident victim shall be provided stabilization treatment for
up to 24 hours in all hospitals for non-life-threatening cases and up to
48 hours in life-threatening cases at designated hospitals, subject to
police response.
Further, a complete digital trail for the Scheme will exist from the time
of accident reporting through the 112 Emergency Response Support
System (ERSS) platform to victim admission, treatment, police
authentication, claim processing and final payment. This has been
achieved through amalgamation of existing digital assets – Electronic
Detailed Accident Report (eDAR) used by police officials and TMS 2.0
used by hospitals to ensure end-to-end digitization of the scheme and
tracking of each case.
*****