Lok Sabha Question No. 3018 (UNSTARRED), answered on 2025-12-18
Subject: New Cashless Scheme for Injured due to Road Accidents
Ministry: ROAD TRANSPORT AND HIGHWAYS
Asked by: Shri Dhairyasheel Sambhajirao Mane, Shri Sudheer Gupta, Shri Chavan Ravindra Vasantrao, Dr. Gumma Thanuja Rani

## 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).

## GOVERNMENT OF INDIA

## MINISTRY OF ROAD TRANSPORT AND HIGHWAYS

## LOK SABHA UNSTARRED QUESTION NO. 3018 ANSWERED ON 18 TH  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 िाजमार्ग मंत्री

- (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 at nearest hospital Mechanism for locating nearest hospital Include packages related | Stabilisation module for non-designated hospitals has been developed Integration of 112(Emergency Response Support System) with TMS 2.0 completed Ambulance package made part of health |

| to ambulances                               | benefit packages                                                    |
|---------------------------------------------|---------------------------------------------------------------------|
| Define cut-off period for initial admission | Defined as 24 hours                                                 |
| Police                                      |                                                                     |
| Providing response on eDAR                  | Sensitisation programs undertaken Trainings and workshops conducted |
| Improving data entry                        |                                                                     |
| Time to confirm road accident               | Increased from 3 hours to 24/48* hours for 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. System (ERSS) platform to victim admission, treatment,

Further, a complete digital trail for the Scheme will exist from the time of  accident  reporting  through  the  112  Emergency  Response  Support 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.

- *****