Cashless Treatment of Road Accident Victims to Become A Reality?
A Lifesaving Initiative The Indian government has introduced a pilot scheme to offer cashless medical treatment to victims of road accidents. The initiative, currently being tested in Chandigarh and Assam, aims to provide timely trauma care and support under the Ayushman Bharat Pradhan Mantri-Jan Arogya Yojana (ABPM-JAY). This groundbreaking effort was announced in Parliament, with Union Minister Nitin Gadkari outlining the details. Coverage Details Under this scheme, eligible accident victims can receive health benefit packages for trauma and polytrauma care at empanelled hospitals. The coverage is capped at Rs 1.5 lakh per person for a period of up to seven days from the date of the accident. This initiative falls under the Motor Vehicle Accident Fund, established as per Section 164B of the Motor Vehicles Act, 1988. The funding and utilization details are governed by the Central Motor Vehicles (Motor Vehicle Accident Fund) Rules, 2022. Coordinated Implementation The National Health Authority (NHA) under the Ministry of Health & Family Welfare is responsible for implementing the program. The NHA collaborates with local police, state health agencies, empanelled hospitals, the National Informatics Centre, and the General Insurance Council. The integration of the e-Detailed Accident Report (eDAR) application and the Transaction Management System (TMS) ensures efficient processing and management of claims. A National Vision The pilot program aims to gather data and assess the effectiveness of the cashless treatment model. Based on its success, there is potential for the scheme to be expanded nationwide, providing uniform access to emergency medical care for road accident victims across the country. This initiative is part of the broader amendments introduced under the Motor Vehicle Act 2019 (MVA2019), which emphasize the importance of immediate and cost-free medical attention for accident victims. The provision of free and cashless medical treatment is a crucial step in addressing the alarming statistics of road accidents and providing timely assistance to those in need. The launch of this pilot scheme in Chandigarh and Assam marks a significant step towards improving road safety and providing crucial support to accident victims. By alleviating the financial burden of emergency medical care, the government aims to save lives and promote a more compassionate approach to road accident management. The success of this pilot could pave the way for a comprehensive, nationwide rollout, ensuring that all citizens receive the necessary care in the event of an accident.