In a landmark initiative aimed at ensuring timely medical assistance to road accident victims, the Himachal Pradesh government has rolled out a pilot scheme offering cashless treatment of up to ₹1.5 lakh. The programme will be implemented under the provisions of the Motor Vehicles Act, 1988 and has been formulated by the Union Ministry of Road Transport and Highways (MoRTH).
The state’s Transport Department has directed top officials across various departments—including the Director General of Police, Engineer-in-Chief, and heads of the Public Works, Higher Education, School Education, and Technical Education departments—to facilitate the implementation of the scheme.
Under the initiative, any person—regardless of nationality—injured in a motor vehicle accident on any road in India will be eligible for treatment. The cashless treatment benefit is capped at ₹1.5 lakh per person per accident and is valid for up to seven days from the date of the accident. To qualify, treatment must commence within 24 hours of the accident. If the victim is also covered under another government health scheme, this scheme will take precedence.
Treatment will be provided exclusively through empanelled hospitals, including those enlisted under the Ayushman Bharat PM-JAY scheme. Hospitals can register for the scheme via the Transaction Management System (TMS) using their Health Facility Registry (HFR) ID.
Empanelled hospitals must follow the guidelines laid out by the National Health Authority (NHA) for admission, pre-authorisation, and claim settlements. The programme will run on an IT platform developed by the NHA, ensuring electronic tracking of patient data and treatment for greater transparency and accountability.
The programme will then link the data of the Transaction Management System (TMS) of the NHA as well as the electronic Detailed Accident Report (eDAR) app.
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