A new scheme was introduced by the government for people who get injured in road accidents, and it is called the Cashless Treatment of Road Accident Victims Scheme 2025, which has been started on May 5, 2025. In this scheme, treatment up to Rs. 1.5 lakh will be given for free, and it can be taken in any hospital that will be chosen by the government later. Even if the victim don’t have any insurance, they still can be treated without paying.
The treatment must be given in the “golden hour”, which is the first one hour after accident happens, and it is believed that many lives can be saved if help is given quickly. The rule has been put in the Gazette, and the proper rules of the scheme is not shared yet. Supreme Court was angry because it was not done earlier, so it was done in hurry. The scheme was made under Section 162(2) of the Motor Vehicles Act.
Motive of Cashless Treatment Scheme
The motive of the Cashless Treatment Scheme is to save lives of people who get hurt in road accidents. Many times, help is not given fast because of money, so this scheme was launched. Treatment will be given free for up to Rs. 1.5 lakh and it must be given in the golden hour, that is the first one hour after accident. More lives can be saved if treated fast. Poor people can also be helped and insurance is not needed. The rule was made so no one will be left without help.
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Key Highlights of Cashless Treatment Scheme
| Name of the Scheme | Cashless Treatment Scheme |
| Launched by | Ministry of Road Transport & Highways |
| Objective | To provide free treatment for victims |
| Free Treatment | Up to Rs. 1.5 lakh |
| Eligibility | Road accident victims |
| Treatment Period | 7 days from the accident date |
| Hospitals | Designated by the government |
| Insurance Needed | No, even without insurance |
| Monitoring Committee | Headed by Secretary, MoRTH |
| Claim Process | Raised on the government portal |
| Approval/Rejection | By the State Health Agency |
Upto Rs 1.5 Lakh Free Treatment
The scheme was started to give free treatment up to Rs. 1.5 lakh to people who get injured in road accidents because accidents are increasing and many lives are being lost when help is not given fast. Any person who is hurt by a motor vehicle on any road shall be allowed to get treatment without paying money, and it will be done under the rules of this scheme. The victim shall be treated in a hospital chosen by the government for a time of maximum seven days after the accident. This rule was written in the notification, and it will help in saving more lives now.
Who will get the Benefits of the Scheme?
The scheme is for people who get hurt in road accidents such as:
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- Any person who gets hurt in a road accident caused by a motor vehicle can receive free treatment.
- The accident must happen on any road, whether in a city or rural area.
- People who don’t have insurance will also be given free treatment under this scheme.
- The treatment will be provided in hospitals that are selected by the government for the scheme.
- The total cost of treatment will be covered up to Rs. 1.5 lakh.
- The free treatment will be given for a maximum of seven days after the accident happens.
Time Period
Time period for the scheme includes:
- The treatment will be given for up to seven days after the accident.
- The free treatment will last only for a maximum of seven days.
- The scheme will cover treatment costs within this seven-day period.
- After seven days, the treatment costs will no longer be covered by the scheme.
Salient Features
The scheme has several important features, which are as follows:
- Free treatment will be given up to Rs. 1.5 lakh for the injured person.
- Treatment will be provided in any hospital that has been chosen by the government.
- Even if the person does not have insurance, they will still receive treatment without paying.
- The treatment must be given within seven days from the date of the accident.
- The scheme is designed to save lives by offering quick help during the golden hour after the accident.
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Payment Structure for Hospitals
The Payment Structure for Hospitals includes these below mentioned steps:
- Step 1: The scheme also explains how hospitals will get paid for the treatment they provide.
- Step 2: After the victim is discharged from the hospital, the hospital must raise a claim for the treatment cost on the government portal.
- Step 3: The claim should include all required documents as specified by the State Health Agency.
- Step 4: The State Health Agency will then review the claim and decide whether to approve or reject it, either in full or partially.
- Step 5: The reason for approval or rejection will be recorded on the portal and shared with the hospital.
- Step 6: A steering committee will be set up by the Centre to monitor the scheme’s implementation, which will be led by the Secretary of MoRTH and CEO of NHA.
FAQs
What is the Cashless Treatment Scheme?
The Cashless Treatment Scheme provides free treatment up to Rs. 1.5 lakh for road accident victims. It helps save lives by offering immediate medical assistance during the golden hour.
Who can benefit from the scheme?
Anyone who is a victim of a road accident involving a motor vehicle is eligible. The scheme applies regardless of insurance status, offering treatment at designated hospitals.
How long can treatment be given under the scheme?
The free treatment is provided for up to seven days after the accident. Treatment beyond this period is not covered under the scheme.
What is the role of the State Health Agency?
The State Health Agency reviews and approves or rejects the hospital’s claim for treatment costs. The reasons for approval or rejection are recorded and made available on the portal.
How are hospitals paid for treatment?
Hospitals raise a claim for treatment costs on the government portal after the victim is discharged. The claim is processed and approved or rejected by the State Health Agency.
What is the monitoring committee?
A steering committee, headed by the Secretary of MoRTH and CEO of NHA, will monitor the implementation of the scheme and ensure its effectiveness across the country.