Government Schemes★ Must Know

PM Modi Launches PM RAHAT Scheme for Cashless Treatment of Road Accident Victims

By TestNeeti Editorial TeamPublished Thursday, 9 July 2026 2 min readSource: News On AIRArticle 3 of 20

The Union government has launched the PM RAHAT (Road Accident Victim Hospitalisation and Assured Treatment) scheme, providing cashless treatment of up to Rs 1.5 lakh per victim to road accident victims for a period of seven days from the date of the accident. Approved by Prime Minister Narendra Modi and implemented by the Ministry of Road Transport and Highways (MoRTH), the scheme covers victims on any category of road — national highways, state roads and city streets. Stabilisation treatment is provided for up to 24 hours in non-life-threatening cases and up to 48 hours in life-threatening cases. The scheme runs through an integrated digital framework linking accident reporting, police authentication, hospital treatment and claim settlement.

Key Facts & Details

9 points

1
The PM RAHAT scheme — Road Accident Victim Hospitalisation and Assured Treatment — offers cashless treatment up to Rs 1.5 lakh per road accident victim.
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The cover is available for seven days from the date of the accident.
3
The scheme is implemented by the Ministry of Road Transport and Highways (MoRTH) and was approved by Prime Minister Narendra Modi.
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It applies to victims on any category of road, including national highways, state roads and city streets.
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Stabilisation treatment is provided for up to 24 hours in non-life-threatening cases and up to 48 hours in life-threatening cases.
6
Claims are processed through an integrated digital framework linking accident reporting, police authentication, hospital treatment and claim settlement.

Deep Dive

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The scheme is designed to ensure that no road accident victim is denied medical care during the critical 'golden hour' due to a lack of funds.
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PM RAHAT takes precedence over other Central or State-level schemes for the treatment of road accident victims.
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The technology-driven design aims to speed up hospital admission and payment, removing financial hurdles at the point of emergency care.

Exam Focus

What is the maximum cashless cover and duration under PM RAHAT, which ministry runs it, and what does the acronym stand for?

Exam Relevance & Angle

New national government schemes with a named acronym, a sponsoring ministry and a specific financial cover are staple exam facts. The Rs 1.5 lakh cover, the seven-day window and the MoRTH link are precisely the details banking and SSC papers test.

Target Exams

SBI POSBI ClerkIBPS POIBPS ClerkSSC CGLSSC CHSLRRB NTPCUPSC CSEState PCS

Background & Context

Road safety is a major public-health concern in India, which records among the highest numbers of road-crash deaths in the world. Emergency-medicine research stresses the 'golden hour' — the first hour after a serious injury — when timely treatment sharply improves survival. Delays caused by inability to pay hospital deposits have long been a barrier to immediate care. The Ministry of Road Transport and Highways (MoRTH), which administers the Motor Vehicles Act and national road-safety policy, has moved to bridge this gap with a nationwide cashless treatment mechanism, building on earlier pilot efforts to guarantee assured care for accident victims regardless of the road on which the crash occurs.