PM Rahat Scheme: Road accidents can happen at any time. In such situations, it is crucial to transport the injured to a hospital promptly to receive medical care. Often, high treatment costs place a significant burden on the patient and their family. To address this, the Central Government has introduced the ‘PM Rahat Scheme’, which provides cashless medical treatment to individuals injured in road accidents.
Under this government scheme, accident victims can receive treatment coverage of up to a maximum of ₹1.5 lakh, subject to specific rules. The primary objective is to ensure that no injured person faces delays in receiving timely medical care due to a lack of funds.
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What is the PM Rahat Scheme?
The PM Rahat Scheme—formally known as the ‘PM Road Accident Victim Hospital Treatment Scheme’—aims to ensure that injured individuals receive timely hospital care while alleviating financial hardships during the initial phase of treatment. It provides eligible accident victims with cashless medical care, governed by defined limits and regulations. The patient and their family do not have to make any upfront payment to the hospital for eligible medical services.
What is the value of the free medical treatment provided?
According to official government information, the PM Rahat Scheme offers medical coverage of up to ₹1.5 lakh to eligible individuals involved in accidents while using two-wheelers. This facility is available for up to 7 days following the accident and covers all categories of individuals.
What does ‘cashless treatment’ mean?
‘Cashless treatment’ means that the patient or their family do not have to pay any money upfront for eligible medical care. Under this scheme, payments to the hospital are settled according to a prescribed procedure after the treatment is provided. The costs are covered by the ‘Motor Vehicle Accident Fund’. The payment mechanism within this fund may vary depending on whether or not the vehicle involved in the accident is insured.