- By Aditya Pratap Singh
- Wed, 18 Feb 2026 01:33 PM (IST)
- Source:JND
PM RAHAT Scheme: Considering the need for quick and quality treatment that could save lives during the critical time after a road accident, the Union government recently rolled out the PM RAHAT (Road Accident Victim Hospitalisation and Assured Treatment) Scheme, offering cashless treatment of up to Rs 1.5 lakh to a victim.
The scheme is aimed to provide hassle-free treatment for seven days from the date of the accident, ensuring no victim is denied medical care due to financial constraints during the crucial days post the accident.
Who can avail the benefits under the PM RAHAT Scheme?
The victims of road accidents, irrespective of whether the incident happen at national highway or any other road, can avail the cashless treatment benefits under the newly launched scheme.
Key features of the PM RAHAT scheme
Now, you must be wondering what sort of expenses are covered under the Rs 1.5 lakh benefit?
The Cashless treatment up to Rs 1.5 lakh per victim covers a treatment for 7 days from the date of acciden.t
The scheme provides stabilisation treatment up to 24 hours in non-life-threatening cases and up to 48 hours in life-threatening cases.
However, the treatment is subject to police authentication on the scheme's integrated digital system.
As per the information, the scheme has been brought to prioritise life-saving intervention during the Golden Hour post any accident, removing the instant fund requirement in case of immediate hospitalisation.
How does the cashless claims process work?
PM RAHAT is designed on the principle of digital integration through a technology-driven framework. It integrates the Electronic Detailed Accident Report (eDAR) platform of the Ministry of Road Transport and Highways, and the Transaction Management System (TMS 2.0) of the National Health Authority.
This integration enables seamless digital linkage from accident reporting, hospital admission, police authentication, treatment administration, claim processing and final payment.
To avail the benefits under the scheme, a Police confirmation of the accident is required within 24 hours for non-life-threatening cases and 48 hours for life-threatening cases.
Post the treatment, the hospital will claim the reimbursement through the Motor Vehicle Accident Fund (MVAF).
What If the Person Is Insured?
In insured cases, payment will be drawn from contributions made by General Insurance Companies. In uninsured and Hit & Run cases, payment will be made through budgetary allocation by the Government of India.
PM Modi's First Decision From Seva Teerth
Prime Minister Narendra Modi approved the RAHAT scheme as the first decision after shifting to ‘Seva Teerth’, the new home of the Prime Minister's office. The move underscores the government's citizen-first approach to timely medical assistance during the golden hour after the accident.