Government to kickstart cashless treatment for road accident victims with ₹2.5 lakh cap per case

The federal government on Wednesday mentioned it’s prepared with a blueprint to implement a cashless remedy scheme for highway accident victims. The scheme could have an insurance coverage protection cap of ₹2.5 lakh per case, as per a communication to move secretaries and commissioners of the states. The scheme assumes significance as India accounts for about 5 lakh highway accidents each year, one of many highest globally, through which about 1.5 lakh individuals are killed and about three lakh are crippled.“Ministry of Highway Transport and Highways has ready a blueprint for implementing the scheme of cashless remedy of motor accident victims, as contemplated beneath the MV Act, 2019. This contains remedy of victims throughout the essential golden hour,” the ministry mentioned in an announcement. On this regard, the transport ministry has written to principal secretaries and secretaries answerable for transport in all states and union territories soliciting their views on idea observe of the scheme by the 10th of this month. The scheme additionally contains creation of a Motor Automobile Accident Fund.“The Nationwide Well being Authority being the nodal company for PM-JAY (Ayushman Bharat Pradhan Mantri – Jan Arogya Yojana) and having footfall throughout he nation with over 21,000 hospitals on board has been entrusted to implement the scheme,” the assertion mentioned. The Ministry additional mentioned that the scheme envisages “to supply obligatory insurance coverage cowl to all highway customers within the nation”. The fund could be utilised for remedy of highway accident victims and for fee of compensation to the injured or to the household of particular person dropping life in hit and run circumstances, the assertion mentioned. The proposed modalities of the scheme have been designed in a manner that they permit entry to high quality care on the proper time for all people, no matter their functionality to pay, it added. NHA’s strong IT platforms that are used for implementing PM-JAY could also be leveraged to supply cashless remedy for highway accident victims for remedy together with the golden hour (first hour of the accident), the communication to the states mentioned. “All highway accident victims of Indian or international nationality shall be thought of eligible for the scheme as its beneficiary. The scheme could have a cap of ₹2.5 lakh/particular person/accident,” as per the communication. Trauma and healthcare providers to highway accident sufferer shall be financed by way of an account which shall be established beneath the highway ministry for the implementation of the scheme, it mentioned. “The funds could have contributions from the insurance coverage corporations by way of common insurance coverage council for ensured autos and for hit-and-run-cases,” the communication mentioned and added that the ministry pays for the accidents for uninsured autos. Moreover, the automobile homeowners shall be liable to pay the price of remedy as part of compensation in case of uninsured autos. As many as 32 of 36 states/union territories are implementing PM-JAY and the scheme gives advantages to about 13 crore households. Underneath the scheme, victims shall be offered entry to cashless trauma care remedy on the nearest acceptable hospital within the nation, as per the communication.“Hospitals have to make sure provision of stabilisation in case they refer the affected person to an empaneled PM-JAY hospital the place the entire remedy could also be offered,” it mentioned.

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