PM RAHAT — Quick Overview
| Scheme Name | PM RAHAT Scheme 2026 — ₹1.5 Lakh Cashless Treatment for Road Accident Victims |
| Launched By | Government of India |
| Launch Year | 2026 |
| Benefit | Free cashless treatment up to ₹1.5 lakh per victim for 7 days at PM-JAY empanelled hospitals |
| Category | Health |
| Last Verified | 23 May 2026 |
| Official Portal | https://nha.gov.in |
What is PM RAHAT?
PM RAHAT (Road Accident Victim Hospitalization and Assured Treatment), launched by Prime Minister Narendra Modi on 13 February 2026, provides cashless emergency medical treatment up to ₹1.5 lakh per victim for road accident injuries — for the first 7 days from the date of accident. The scheme covers any road accident victim on any category of road across India, including hit-and-run cases. Treatment is provided at hospitals empanelled under Ayushman Bharat PM-JAY. Stabilization care is guaranteed for up to 24 hours in non-life-threatening cases and up to 48 hours in life-threatening cases. Hospitals are reimbursed through the Motor Vehicle Accident Fund (MVAF) — funded by insurance company contributions and government allocation for uninsured/hit-and-run cases. PM RAHAT is integrated with the ERSS 112 emergency response system and is a landmark golden-hour intervention designed to save lives lost annually on Indian roads due to delayed care.
Under this scheme, eligible beneficiaries receive Free cashless treatment up to ₹1.5 lakh per victim for 7 days at PM-JAY empanelled hospitals. The scheme was launched in 2026 and is implemented by the Government of India.
पीएम राहत योजना (RAHAT) फरवरी 2026 में लॉन्च की गई — हर सड़क दुर्घटना पीड़ित को 7 दिनों तक ₹1.5 लाख तक का कैशलेस इलाज मिलेगा। 112 पर कॉल करें, 24 घंटे के अंदर पुलिस को सूचना दें और किसी भी आयुष्मान भारत सूचीबद्ध अस्पताल में भर्ती हों।
हर सड़क दुर्घटना पीड़ित को 7 दिनों तक ₹1.5 लाख तक मुफ्त कैशलेस इलाज
Benefits of PM RAHAT
Free cashless treatment up to ₹1.5 lakh per victim for 7 days at PM-JAY empanelled hospitals
Who is Eligible for PM RAHAT?
- ✓Any victim of a road accident on any category of road in India (NH, SH, urban, rural)
- ✓Police must be informed about the accident within 24 hours
- ✓Victim must be admitted to a PM-JAY empanelled hospital within 24 hours of the accident
- ✓No income or category restriction — universal coverage for all citizens
- ✓Indians, NRIs, and foreign nationals injured in road accidents in India are all covered
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Documents Required for PM RAHAT
How to Apply for PM RAHAT Online?
- 1Call 112 (ERSS) immediately at the accident site — request ambulance and police assistance
- 2Inform police within 24 hours of the accident — ensure FIR / DDR entry is filed
- 3Get admitted to any Ayushman Bharat PM-JAY empanelled hospital within 24 hours of accident
- 4Show any photo ID (Aadhaar/Voter ID/DL) to the hospital's Ayushman Mitra at admission
- 5Hospital verifies victim status with police FIR and starts treatment — no payment from victim/family
- 6Stabilization care continues for 24 hours (non-life-threatening) or 48 hours (life-threatening cases)
- 7Total cashless treatment continues up to ₹1.5 lakh or 7 days, whichever exhausts first
- 8Hospital files claim with Motor Vehicle Accident Fund (MVAF) for reimbursement — no out-of-pocket payment from victim
Official Government Portal
Apply directly on the official government website. This is the only authorised portal — never pay anyone to apply on your behalf.
🔗Apply on nha.gov.inFrequently Asked Questions — PM RAHAT
Common Questions About Health Schemes
Who is eligible for Ayushman Bharat?+
Families listed in the SECC 2011 database, including rural families with deprived categories and urban workers in 11 occupational categories.
How to download Ayushman Card?+
Visit beneficiary.nha.gov.in, enter your mobile number, verify OTP, and download your Ayushman Bharat health card.
One Nation One Ration Card क्या है?+
यह योजना NFSA राशन कार्ड धारकों को देश के किसी भी राज्य में राशन दुकान से अपना हिस्सा लेने देती है। आधार-बायोमेट्रिक से identity verify होती है।
ONORC के लिए ration card आधार से link है या नहीं कैसे check करें?+
nfsa.gov.in पर जाएं → Ration Card → Check Aadhaar Seeding Status। या UMANG app पर 'NFSA Services' में जाकर check करें।
NHM में क्या मुफ्त मिलता है?+
सरकारी अस्पतालों में: OPD consultation, essential medicines (WHO Essential Medicines List), diagnostics (blood test, X-ray), delivery services (JSSK), immunisation, antenatal care — सभी BPL/priority households के लिए free।
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Ayushman Bharat PM-JAY (Pradhan Mantri Jan Arogya Yojana), launched in September 2018, provides cashless hospitalisation coverage of ₹5 lakh per family per year at 30,000+ empanelled government and private hospitals. PM-JAY is the world's largest government-funded health insurance scheme, covering 55 crore+ people from the bottom 40% of India's population as per the SECC 2011 database. The scheme covers 1,949 medical procedures including surgeries, chemotherapy, kidney dialysis, neonatal care, and mental health treatment — at no cost to the beneficiary. Beneficiaries can avail treatment in any empanelled hospital across any state, completely cashless, using the Ayushman Card. Senior citizens aged 70+ years now get an additional ₹5 lakh top-up cover. Over 8 crore hospitalisation cases have been covered under PM-JAY as of 2026.
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