**Executive Summary**
The Prime Minister – Road Accident Victims' Hospitalisation and Assured Treatment (PM-RAHAT) Scheme has been notified and launched to provide cashless treatment to road accident victims. The scheme offers treatment cover up to ₹1.5 lakh per victim for up to 7 days and stabilization treatment for up to 24 or 48 hours. Key deadlines and processes involve hospital onboarding and a 10-day payment window for claims, aiming for timely medical care.
**Key Points / Main Content**
* **Scheme Details and Coverage**
* The PM-RAHAT Scheme has been notified and launched to provide cashless treatment to road accident victims.
* Treatment cover of up to ₹1.5 lakh per victim is provided for a maximum of 7 days from the date of the accident.
* This cover is applicable to all victims involved in road accidents caused by the use of motor vehicles.
* Stabilization treatment is provided for up to 24 hours for non-life-threatening cases and up to 48 hours for life-threatening cases at designated hospitals, subject to police response.
* The scheme takes precedence over any other Central or State-level schemes.
* **Implementation and Technology**
* The scheme integrates two platforms: eDAR (for police accident reporting) and TMS 2.0 (for hospital treatment, claims, and payments).
* Integration with the 112 Emergency Response Support System (ERSS) allows victims or Good Samaritans to seek information and assistance.
* A complete digital trail exists from accident reporting to final payment.
* **Financial Aspects**
* Reimbursement to hospitals is through the Motor Vehicle Accident Fund (MVAF).
* MVAF is funded by general insurance companies for insured vehicles and by budgetary support for uninsured and hit-and-run cases.
* A period of 10 days is defined for payment to hospitals from the date of claim approval by the State Health Agency (SHA) or General Insurance (GI) Council.
* **Hospital Designation and Onboarding**
* The National Health Authority (NHA) has issued guidelines for designating and onboarding additional hospitals.
* Empanelled hospitals under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) that comply with NHA guidelines are deemed designated hospitals.
* As of 09.03.2026, 36,112 hospitals are empanelled under NHA for AB PM-JAY.
* **Grievance Redressal and Monitoring**
* A structured grievance redressal and monitoring mechanism is in place at District, State, and National levels.
* District Road Safety Committees (DRSCs) are responsible for monitoring and coordination at the district level.
* A dedicated Grievance Redressal Officer (GRO) is to be appointed at the district level.
* Grievances can be escalated to the District Collector and then to the State Road Safety Council (SRSC).
* An Inter-Ministerial Steering Committee oversees implementation and monitoring at the national level.
**Impact Analysis**
**Road Accident Victims**
* **Impact:** Victims will receive timely and uninterrupted medical care, including essential stabilization treatment, up to ₹1.5 lakh, without immediate out-of-pocket expenses.
* **Action Required:** Victims or Good Samaritans can contact ERSS for assistance and information on designated hospitals.
**Hospitals**
* **Impact:** Hospitals will receive reimbursement for cashless treatment provided to road accident victims through the MVAF. They are also required to utilize TMS 2.0 for treatment, claims, and payment processing.
* **Action Required:** Hospitals must onboard onto the TMS platform and adhere to the guidelines for treatment and claim submission. They also have a defined timeframe for police authentication.
**Police Officials**
* **Impact:** Police officials are required to authenticate victims on the TMS platform via eDAR.
* **Action Required:** Police officials must respond to eDAR authentication requests within 24 hours, or 48 hours in life-threatening cases as decided by the hospital administrator.
**Insurance Companies**
* **Impact:** General insurance companies will contribute to the Motor Vehicle Accident Fund (MVAF) for insured vehicles involved in accidents.
* **Action Required:** Contribution to MVAF as per regulations.
**National Health Authority (NHA)**
* **Impact:** NHA is responsible for issuing guidelines for hospital designation and onboarding, and managing TMS 2.0.
* **Action Required:** Continue to issue guidelines and ensure the functionality of TMS 2.0 for scheme implementation.
**State Health Agencies (SHA) / District Collectors / General Insurance (GI) Council**
* **Impact:** These entities are involved in the claim approval process and subsequent payment to hospitals.
* **Action Required:** Approve claims and ensure timely payment to hospitals within the defined 10-day period.
**District Road Safety Committees (DRSCs)**
* **Impact:** DRSCs are responsible for the overall monitoring and coordination of the scheme at the district level.
* **Action Required:** Appoint a Grievance Redressal Officer (GRO) and monitor scheme implementation at the district level.
**State Road Safety Council (SRSC)**
* **Impact:** The SRSC functions as the nodal agency for scheme implementation in the respective State or Union Territory and handles escalated grievances.
* **Action Required:** Act as the nodal agency for implementation and handle grievances escalated from the district level.
**Inter-Ministerial Steering Committee**
* **Impact:** This committee oversees the overall implementation and monitoring of the scheme at the national level.
* **Action Required:** Review issues arising during the execution of the scheme and oversee its overall implementation.
Key Entities Referenced
PM RAHAT-CASHLESS TREATMENT OF ROAD ACCIDENT VICTIMS Scheme: The primary scheme discussed, aimed at providing cashless treatment to road accident victims.
Motor Vehicles Act, 1988: The legal mandate under which the PM RAHAT scheme is notified.
Section 162 of the Motor Vehicles (MV) Act, 1988: The specific legal provision authorizing the PM RAHAT scheme.
eDAR (Electronic Detailed Accident Report): A platform used for reporting accidents, integrated into the scheme's workflow.
TMS 2.0 (Transaction Management System): A platform used by hospitals for treatment and payment processing, integrated into the scheme.
Ministry of Road Transport & Highways
PM RAHAT-CASHLESS TREATMENT OF ROAD
ACCIDENT VICTIMS
Posted On: 11 MAR 2026 9:31PM by PIB Delhi
In accordance with the legal mandate under Section 162 of the Motor Vehicles (MV) Act, 1988, the
“Prime Minister – Road Accident Victims’ Hospitalisation and Assured Treatment (PM-RAHAT)
Scheme” has been notified vide S.O. 2015(E) dated 05.05.2025. Further, comprehensive guidelines
detailing the process flow, roles and responsibilities of respective stakeholders, and the Standard
Operating Procedures (SOP) for its implementation have been issued vide S.O. 2489(E) dated
04.06.2025.
The scheme was launched by the Prime Minister on 13.02.2026 and has been named the Prime Minister
– Road Accident Victims’ Hospitalisation and Assured Treatment (PM-RAHAT) Scheme vide S.O.
952(E) dated 19.02.2026. The salient features of the scheme are as under:
(i) Treatment cover up to ₹1.5 lakh per victim will be provided, subject to a maximum cap of 7 days
from the date of accident, on any category of road. The treatment cover will be available to all victims
involved in road accidents caused by the use of motor vehicles.
(ii) Every road accident victim shall be provided with stabilization treatment for up to 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 or 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 accidents and TMS
2.0 (Transaction Management System) of the National Health Authority (NHA), used by hospitals for
treatment, claim submissions, and processing of payments.
The reimbursement to hospitals is being done through the 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 uninsured and Hit & Run cases.
Through integration with the 112 Emergency Response Support System (ERSS), the victim or Good
Samaritan (RAH-VEER) can obtain necessary information regarding the nearest designated hospital,
request an ambulance, or both, as per the situation’s requirements. As soon as the victim is admitted, the
treatment process has to be initiated based on the Health Benefit Packages developed by NHA.
In parallel, while initiating the treatment, police authentication of the victim will have to be initiated on
the TMS platform. The hospital would generate the treatment ID(s) on TMS and push them to the district
police through eDAR. The time available with police for responding on eDAR shall be up to 24 hours, or
48 hours in life-threatening situations, as decided by the hospital administrator.A complete digital trail for the Scheme will exist from the time of accident reporting through the 112
ERSS platform to victim admission, treatment, police authentication, claim processing, and final
payment.
The National Health Authority (NHA) has issued detailed guidelines for the designation and onboarding
of additional hospitals by States/UTs vide OM S-12018/81/2024 dated 20.05.2025 to ensure the
availability of treatment facilities. As per the Scheme guidelines notified vide S.O. 2489(E) dated
04.06.2025, designated hospitals under the Scheme—including empanelled hospitals under the Ayushman
Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) that comply with the guidelines issued by
NHA for this Scheme—shall be deemed designated hospitals for the purposes of the Scheme.
The number of hospitals empanelled under NHA for Ayushman Bharat Pradhan Mantri Jan Arogya
Yojana is 36,112 as on 09.03.2026.
To ensure transparency and prevent misuse, the Scheme operates through an end-to-end digital workflow
integrating TMS 2.0 and the eDAR platform, creating an electronic linkage between accident details and
treatment records for each case. Further, to ensure timely payment to hospitals providing cashless
treatment under the Scheme, a period of 10 days has been defined from the date the claim is approved by
the State Health Agency (SHA) for District Collectors or the General Insurance (GI) Council to make
the payments, as the case may be.
The Scheme also provides for a structured grievance redressal and monitoring mechanism at the
District, State, and National levels to ensure effective implementation and timely resolution of issues.
Under the Scheme guidelines, District Road Safety Committees (DRSCs) are responsible for overall
monitoring and coordination at the district level. A dedicated Grievance Redressal Officer (GRO) or
point of contact is required to be appointed at the district level by the DRSC for addressing grievances
related to the Scheme.
In case a grievance is not resolved satisfactorily at the district level, the matter may be escalated to the
District Collector and thereafter to the State Road Safety Council (SRSC), which functions as the nodal
agency for implementation of the Scheme in the respective State or Union Territory. At the national level,
an Inter-Ministerial Steering Committee oversees the overall implementation and monitoring of the
Scheme, including the review of issues arising during its execution.
The Scheme has been designed in compliance with the statutory mandate of Section 162 of the Motor
Vehicles Act, 1988, with the primary objective of ensuring timely and uninterrupted medical care to
road accident victims, including during the critical Golden Hour.
This information was given by the Union Minister for Road Transport and Highways, Shri Nitin
Jairam Gadkari, in a written reply in the Rajya Sabha.
*****
GDH/HJ
(Release ID: 2238637) Visitor Counter : 134