The PM RAHAT scheme (short for Pradhan Mantri Road accident Victims Hospitalisation and Assured Treatment) is a government‑backed emergency medical cover designed to reduce deaths and financial hardship caused by road accidents.
Key Goal:
👉 To ensure accident victims receive immediate medical care without having to pay upfront, especially during the critical “golden hour.”
📊 Main Benefits of the PM RAHAT Scheme
🩺 1. Cashless Treatment Up to ₹1.5 Lakh
- Every eligible road accident victim is entitled to cashless hospital treatment up to ₹1,50,000 per person.
- This cover is valid for up to 7 days from the date of the accident.
- Victims do not have to pay at the hospital — the government/budget fund settles the bill.
⏱ 2. Stabilisation Care During Emergency
- For non‑life‑threatening injuries: initial treatment covered for up to 24 hours.
- For critical or life‑threatening injuries: stabilisation care for up to 48 hours.
- Police confirmation is required within this timeframe to access full benefits.
🏥 3. Coverage at Empanelled Hospitals
- Treatment is provided at hospitals empanelled under the scheme (including Ayushman Bharat network hospitals).
- If a victim first reaches a non‑designated hospital, only basic stabilisation care is covered before transfer.
📍 Who Is Eligible?
✔ Any victim of a road accident involving a motor vehicle on any public road in India.
✔ There is no restriction based on age, class, or insurance status.
✔ Both insured and uninsured accident cases are covered; payment will be made either by the insurance company or directly from the government fund.
🧠 How the Scheme Works
👮 Police and Emergency Link
- Calling 112 (Emergency Response Support System) after an accident connects the victim to ambulance services and helps coordinate care.
- Digital systems link the accident report and hospital admission to speed up verification and treatment.
💰 Reimbursement System
- Hospitals file claims through an integrated wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW'>digital platform.
- Payments are reimbursed via the Motor Vehicle accident Fund (MVAF).
- Insured cases may involve contributions from general insurers; for uninsured & hit‑and‑run accidents, government budget funds pay the hospital directly.
📈 Why This Scheme Matters
- Removes financial barriers at a time when immediate treatment can save lives.
- Encourages quick emergency response and reduces fatalities due to delays in care.
- Works with existing healthcare and emergency infrastructure to provide seamless support.
👨⚕️ In Simple Terms
If someone is injured in a road accident and reaches a hospital within a short time, the government will ensure they get emergency treatment without paying upfront, up to ₹1.5 lakh, for the first week after the accident — helping families focus on recovery, not bills.
Disclaimer:
The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.
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