PM RAHAT scheme: New Cashless Care for Road Accident Victims

Chandani — Fri, 20 Feb 2026 12:32:09 +0000

PM RAHAT scheme: Who gets cashless care after a road accident?

So the state is finally stepping up for road safety. The PM RAHAT scheme offers a lifeline for crash victims. The goal? Fast care. In fact, Prime Minister Modi just gave the green light for this rollout. Plus, the plan aims to save lives during the “golden hour.”

Cashless Limits and Coverage

But here is the main part of the deal. Every crash victim gets up to ₹1.5 lakh for care. Is it long-term? No. The coverage lasts for seven days from the date of the crash. Consequently, families don’t have to pay cash up front.

Moreover, the rules cover all types of roads. It does not matter if the crash happens on a highway or a city street. Previously, gaps in help were common. So the state now offers a safety net for everyone. Therefore, doctors can start work right away.

Summary of PM RAHAT Scheme Benefits

Feature	Details	Benefit
💸 Max Coverage	₹20 Lakh or more	₹1.5 Lakh per victim
⏱️ Duration	7 Days	Immediate support
🏥 Initial Care	24–48 Hours	No cash needed
📑 Claim Speed	Within 10 Days	Fast bank payouts
🛡️ Road Types	All Categories	Broad protection

How the Payouts Work

Still, people worry about who pays the bill. The Motor Vehicle Accident Fund (MVAF) handles the cash. The source? Insurance firms pay for insured cars. And for hit-and-runs? The state uses its own budget for those. Accordingly, hospitals get paid in under ten days.

But checking the facts is key. Police must log the crash in a new digital system first. Why? To stop fraud. Plus, the health agency must approve every claim. Essentially, the tech tracks every rupee from start to finish.

Tech and Grievance Rules

Then there is the tech side. The eDAR platform links directly with the health portal. The link? Seamless. And this helps banks move money with no delays. Indeed, it keeps the whole system honest and fast.

Worth noting: You can fight a rejected claim. Each district has a special officer for this task. They work under the District Collector to fix errors. So if the hospital says no, you have a place to turn. Ultimately, the state wants no victim left behind.

Frequently Asked Questions (FAQs)

What is the PM RAHAT scheme? So it is a new plan for cashless care after road crashes. Because of this, victims get up to ₹1.5 lakh for medical bills without paying a deposit.

How long does the PM RAHAT coverage last? In fact, the scheme covers the first seven days of hospital stays. Additionally, it offers extra help for life-threatening cases for up to 48 hours.

Who pays for hit-and-run claims under PM RAHAT? But the state pays these directly. Consequently, the government uses a special fund to cover victims when the car has no insurance.