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| Cashless Treatment | | | The Supreme Court of India has directed the Centre to formulate a comprehensive cashless treatment scheme for motor accident victims across the country. This directive underlines the urgent need to make our road safety ecosystem more responsive, accessible, and inclusive—particularly in those crucial “golden hours” when lives can be saved with immediate medical attention.
Every year, India witnesses over 1.5 lakh fatalities and countless injuries due to road accidents, according to data from the Ministry of Road Transport and Highways. A significant proportion of these deaths occur not due to the severity of the injury itself, but because of delays in receiving prompt medical aid—often exacerbated by the lack of finances at the moment of crisis. The Supreme Court’s directive, therefore, addresses a vital gap in our public healthcare and legal framework.
A cashless treatment scheme would mean that accident victims can be provided with necessary medical care immediately without having to worry about costs, paperwork, or insurance complications. This is especially significant for poor and marginalized sections of society who may be reluctant to rush to a hospital fearing the financial burden. By directing the Centre to operationalize such a scheme, the Supreme Court has emphasized that saving human life must always take precedence over procedural and financial hurdles.
The Court’s intervention is not entirely without precedent. In 2014, the government had launched the ‘Cashless Treatment Scheme for Road Accident Victims on National Highways’ on a pilot basis in a few states, but it failed to scale due to inadequate institutional support and funding bottlenecks. Now, with judicial backing, there is an opportunity to revive and scale this initiative nationally under a robust framework.
The Centre must act with urgency and sincerity to formulate a foolproof mechanism that defines eligibility, ensures smooth hospital empanelment, facilitates real-time verification, and guarantees timely reimbursement to hospitals. The National Health Authority (NHA), which manages the Ayushman Bharat scheme, could be a natural partner in designing and implementing this scheme, leveraging its vast digital infrastructure and beneficiary database.
Further, the scheme should incorporate technological solutions—such as GPS tracking, on-the-spot FIR registration, e-ambulance coordination, and Aadhaar-based identification—to ensure seamless operation. Insurance companies and the Motor Vehicles Accident Fund must also be brought into the fold to ensure sustainability and efficient claim settlements.
Importantly, this directive should go hand-in-hand with broader reforms in road safety awareness, better enforcement of traffic rules, stricter penalties for negligence, and improvement of road infrastructure. It must also strengthen the “Good Samaritan” framework to protect and encourage bystanders who help accident victims.
The Supreme Court’s directive is a timely reminder that human life is paramount and that governance must pivot towards compassion, efficiency, and inclusivity. |
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