Lok Sabha Question No. 1010 (UNSTARRED), answered on 2026-02-05
Subject: Cashless Treatment for Road Accident Victims
Ministry: ROAD TRANSPORT AND HIGHWAYS
Asked by: Km. Sudha R, Shri K C Venugopal

## GOVERNMENT OF INDIA MINISTRY OF ROAD TRANSPORT AND HIGHWAYS

LOK SABHA UNSTARRED QUESTION NO - 1010 ANSWERED ON- 05 TH  FEBRUARY, 2026

## CASHLESS TREATMENT FOR ROAD ACCIDENT VICTIMS

1010 KM. SUDHA R: SHRI K C Venugopal:

Will the Minister of ROAD TRANSPORT AND HIGHWAYS

सड़क परिवहन औि िाजमार्ग मंत्री

be pleased to state:

- (a) the timeline for the nationwide rollout of the cashless treatment scheme  for  road  accident  victims  and  the  budgetary  allocation made for its implementation; (b) the manner in which the scheme will ensure seamless cashless treatment during the "Golden Hour", particularly in rural and remote areas with limited trauma care facilities; (c)  whether  private  hospitals  will  be  mandatory  empanelled  under the  scheme  and  if  so,  the  operational  mechanism  for  reimbursing hospitals; (d) the manner in which the Road Safety Fund will be augmented to meet the increased financial outgo under the scheme, especially in cases involving uninsured vehicles; (e)  the  details  of  safeguards proposed to prevent delays, denial of treatment or misuse of funds; and (f) whether robust grievance redressal and monitoring mechanisms
- would be put in place and if so, the details thereof?

ANSWER THE MINISTER OF ROAD TRANSPORT AND HIGHWAYS

(SHRI NITIN JAIRAM GADKARI)

(a) to (d) In accordance with the legal mandate under Section 162 of  the  Motor  Vehicles  Act,  1988,  Cashless  Treatment  for  Road Accident Victims Scheme, 2025 (Scheme) has been notified vide S.O. 2015(E) dated 05.05.2025 . Further, comprehensive guidelines  detailing  the  process  flow,  roles  and  responsibilities  of various stakeholders, and the Standard Operating Procedures (SOPs) for  its  implementation  have  been  issued  vide S.O.  2489  (E) dated 04.06.2025.

The  scheme  is  jointly  funded  with  contributions  by  General Insurance companies for cases where the offending motor vehicle is insured.  The  contribution  by  General  Insurance  companies  is  a percentage  of  the  third-party  premium.  For  cases  involving  road accidents by motor vehicles other than insured, budgetary support will be provided by the Central Government.

To ensure availability of treatment facilities in rural and remote areas, National Health Authority has issued detailed guidelines for designation and onboarding of additional hospitals by States/UTs vide OM S-12018/81/2024 dated 20 May 2025. As per the Scheme  guidelines  notified  vide  S.O.  2489(E)  dated  04.06.2025, hospitals  empanelled  under  the  Ayushman  Bharat  Pradhan  Mantri Jan  Arogya  Yojana  (AB  PM-JAY)  shall  be  automatically  deemed designated hospitals for the purposes of the Scheme.

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.  The revised scheme would be launched when substantive number of District Collectors/Deputy Commissioners  of  districts are onboarded  on  Public  Financial Management System (PFMS) to enable direct payment to hospitals.

- (e) 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 and will be provided facility of an ambulance.

States/UTs have been advised to invoke provisions of laws regulating clinical establishments and mandate hospitals to provide treatment to road accident victims under the Cashless Scheme.

The Scheme operates through an end-to-end digital workflow integrating the Transaction Management System (TMS 2.0) and the electronic  Detailed  Accident  Report  (eDAR)  platform,  creating  an electronic linkage between accident details and treatment records for  each  case.  To  ensure  timely  payment  to  hospitals  providing cashless treatment under the scheme, a period of 10 days has been defined from the claim being approved by SHA for District Collectors or GI council to make the payments, as the case maybe. (f)      The Scheme 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 InterMinisterial  Steering  Committee  chaired  by  Secretary,  Ministry  of Road Transport and Highways, oversees the overall implementation and  monitoring  of  the  Scheme,  including  review  of  issues  arising during execution.

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