CURRENT AFFAIRS
CURRENT AFFAIRS
Description
In a significant step towards improving emergency medical response and reducing fatalities from road accidents, the Government of India has introduced the Cashless Treatment for Road Accident Victims Scheme, 2025. This initiative aims to provide timely and hassle-free medical care to accident victims, reducing the financial burden on their families and ensuring that critical treatment is not delayed due to monetary constraints.
About Cashless Treatment For Road Accident Victims Scheme, 2025
The newly launched scheme is designed to offer immediate, cashless medical assistance to individuals injured in road accidents involving motor vehicles on public roads across India. This move is part of the government's broader efforts to enhance road safety, reduce traffic-related fatalities, and streamline emergency healthcare services nationwide.
Key Features Of Scheme
Eligibility for Cashless Treatment:
Any person injured in a motor vehicle accident on a public road in India is eligible for cashless medical treatment under the scheme, regardless of their financial status or insurance coverage.
The scheme covers both Indian citizens and foreign nationals injured in road accidents within Indian territory.
Financial Coverage:
The maximum financial assistance available under the scheme is capped at ?1.5 lakh per accident victim.
This coverage is valid for up to seven days from the date of the accident, ensuring that victims receive immediate and comprehensive medical attention during the critical first week.
Network of Designated Hospitals:
Treatment under the scheme is provided only at designated hospitals that are part of the scheme's network, ensuring quality care and efficient service.
Hospitals not included in this network are only required to provide initial stabilization and lifesaving measures, as specified in the scheme guidelines, before transferring the patient to a designated facility.
Administrative Structure And Implementation:
Coordinating Agency:
The National Health Authority (NHA) has been designated as the primary coordinating agency responsible for overseeing the scheme's implementation.
The NHA will collaborate with various stakeholders, including the police, hospitals, and State Health Agencies, to ensure seamless execution and efficient service delivery.
Role of State and Union Territory Authorities:
Each State and Union Territory will have a State Road Safety Council serving as the nodal agency for the scheme's implementation within its jurisdiction.
These councils will coordinate with the NHA for hospital onboarding, victim treatment, claims processing, and other operational aspects through a dedicated digital portal.
They will also play a critical role in raising public awareness about the scheme, ensuring that accident victims and their families are well-informed about their entitlements.
Central Oversight:
A 17-member Steering Committee headed by the Secretary of the Ministry of Road Transport and Highways (MoRTH) has been established to monitor and review the scheme's performance.
This committee will provide strategic guidance, resolve operational challenges, and ensure that the scheme meets its intended objectives.
Technology-Driven Support For Efficient Implementation:
Digital Integration:
The scheme is supported by a centralized digital platform that facilitates real-time tracking of accident cases, hospital admissions, and claim settlements, reducing paperwork and speeding up the response time.
The portal will enable efficient data sharing between hospitals, insurance providers, and government agencies, ensuring transparency and timely disbursement of funds.
Inter-Agency Collaboration:
The NHA will work closely with law enforcement, trauma care specialists, and emergency response teams to ensure a coordinated approach to accident victim care.
This collaboration is expected to significantly reduce the time taken to transport victims to the nearest designated hospital, improving survival rates.
Impact On Road Safety And Emergency Care
The Cashless Treatment for Road Accident Victims Scheme, 2025, represents a critical step towards building a robust trauma care system in India. By eliminating the financial barriers to emergency medical care, the initiative is expected to save countless lives, reduce disability, and improve overall road safety outcomes.
As India continues to modernize its healthcare infrastructure and road safety policies, this scheme is likely to serve as a model for other countries looking to enhance their emergency medical response systems.
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