Written by:
Anoushka Pinto
Road accidents in India represent a significant public health concern, with motorcycle incidents being a particularly critical issue. According to the Ministry of Road Transport and Highways (MoRTH), in 2022, the country experienced a staggering 461,312 road accidents, resulting in 168,491 fatalities and injuring 443,366 individuals. This alarming toll, the highest in the world, emphasises the urgent need for effective interventions.
A considerable number of these accidents are attributed to motorcycles. A Statista report reveals that bikes account for 32.93% of all yearly road accidents in India, leading to nearly 75,000 road traffic deaths in 2022 alone. Specific regions, such as Tamil Nadu, Maharashtra, and Uttar Pradesh, reported the highest numbers of two-wheeler occupant deaths – with Tamil Nadu leading at 11,140 fatalities, followed by Mahrashtra at 7,733 and Uttar Pradesh at 6,959 (Source: Ministry of Road Transport and Highways).
Recognising the severe impact of bike accidents, the Indian government has initiated several schemes aimed at mitigating these incidents and providing aid to victims and their families. These programs strive to enhance road safety, provide immediate financial relief, and offer medical assistance and rehabilitation for those affected by bike accidents.
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Central Government Schemes
The Government of India has implemented various schemes aimed at supporting victims of bike accidents across the country. These initiatives are designed to provide financial assistance, medical care, and rehabilitation services to individuals affected by such incidents. Through these schemes, the government aims to alleviate the burdens faced by accident victims and their families, promoting road safety and well-being for all citizens.
1. Pradhan Mantri Suraksha Bima Yojana (PMSBY)
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About
Pradhan Mantri Suraksha Bima Yojana (PMSBY) provides accidental death and disability insurance coverage. It’s available to all Indian citizens between 18 and 70 years of age with a bank account, and is renewable annually.
Features
- Premium of ₹20/- per annum per member, payable through auto-debit facility from the subscriber’s bank/Post office account.
- Multiple account holders can enroll through one bank/Post office account only.
- Enrollment period from 1st June to 31st May, with options for auto-debit renewal.
- Termination of cover on reaching age 70 or account closure/insufficient balance.
- Claim process managed by nominee/appointee or legal heirs in the absence of nomination.
- Incidents like vehicular accidents require police reports, while others need immediate hospital records for claims.
Aid provided
- Death benefit: ₹2 Lakh
- Total and irrecoverable loss of both eyes or use of both hands or feet, or loss of sight of one eye and use of hand or foot: ₹2 Lakh
- Total and irrecoverable loss of sight of one eye or use of one hand or foot: ₹1 Lakh
How to apply
To register for PMSBY:
Step 1: Take the first step towards enrolling in the Pradhan Mantri Suraksha Bima Yojana (PMSBY) by filling out the application form and visiting any of the participating banks or health insurance companies in your area.
Step 2: If you prefer convenience, several reputed banks offer assistance to subscribers through their internet banking services.
Step 3: Simply log into your internet banking account and follow the easy enrollment process to access the scheme seamlessly.
Step 4: For those who prefer mobile options, you can also enroll by sending a message from your registered mobile number to the toll-free numbers provided by the banks and insurance companies.
To claim compensation:
- Step 1: Reach out to the bank or insurance company where the policy was purchased to start the claim process.
- Step 2: Obtain and fill out the claim form, providing necessary details such as name, address, and hospital information. You can download the PMSBY claim form from the Jansuraksha website in various languages.
- Step 3: Submit the completed form along with relevant documents like disability or death certificates, depending on who is filing the claim.
- Step 4: The insurance company will verify the submitted details.
- Step 5: Upon approval, the claim amount will be transferred to the designated bank account, and the claim will be settled.
Know more
To know more about the scheme and enrollment process, check:
Website: Department of Financial Services, Government of India
Read more: Acko Health Insurance
2. Universal Health Insurance Scheme (UHIS)
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The Universal Health Insurance Scheme was launched nationwide in July 2003 with the goal of providing healthcare to the poorest sections of society. It is available to both Below Poverty Line (BPL) and Above Poverty Line (APL) families. The scheme aims to reduce the financial burden of medical expenses and includes various benefits tailored to different family sizes and economic conditions.
Features
Premium:
- For BPL families:
- Individual: ₹100 per annum.
- Family (up to 5 members): ₹150 per annum.
- Family (up to 7 members): ₹200 per annum.
- Premium subsidy provided by the Government of India: ₹200 for individual, ₹300 for a family of five, and ₹400 for a family of seven.
- For APL families:
- Individual: ₹365 per annum.
- Family (up to 5 members): ₹548 per annum.
- Family (up to 7 members): ₹730 per annum.
- No government subsidy for APL families.
Aid provided
Personal accident and disablement benefit
- Family member benefit: Lump sum of ₹25,000 for accidental death or disablement.
- Temporary total disablement:
- For the earning member: ₹50 per day, up to a maximum of ₹750, with a 3-day waiting period.
- Applicable for individuals aged 3 months to 65 years.
Hospitalization benefits
- Room and boarding expenses
- General room: Coverage up to 0.5% of the sum insured per day.
- Intensive Care Unit (ICU): Coverage up to 1% of the sum insured per day.
- Medical practitioner and nursing expenses
- Fees for surgeons, anesthetists, medical practitioners, consultants, nurses and specialists.
- Total coverage up to 15% of the sum insured per illness or injury.
Medical and surgical costs
- Coverage includes anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, diagnostic materials (including X-rays), dialysis, chemotherapy, radiotherapy, cost of pacemakers, artificial limbs, and organ transplantation.
- Total coverage up to 15% of the sum insured per illness or injury.
Overall expense limits
- Per illness: Maximum reimbursement of ₹15,000.
- Total claims: Company liability not exceeding ₹30,000 per person or family during the insurance period.
Special provisions for BPL families
- Coverage for pre-existing diseases: All pre-existing conditions are covered.
- No waiting period for hospitalization: Immediate coverage for hospital admissions.
- Maternity cover:
- Caesarian delivery: Coverage up to ₹5,000.
- Normal delivery: Coverage up to ₹2,500.
- Loss of wages: Compensation for loss of wages extended to the head of the family and/or spouse.
- Personal accident death cover: Extended to the head of the family and/or spouse.
How to apply
To apply for the Universal Health Insurance Scheme, visit your nearest branch office. They will provide you with complete details and assist you in the application process. Ensure you have all necessary documentation, including proof of income to determine eligibility for BPL benefits.
Know more
For more detailed information about the scheme, its exclusions, and comprehensive coverage details, please contact your nearest branch office. They can provide you with personalized assistance and answer any specific queries you may have.
Branch Office: Visit your nearest branch for in-person assistance.
Website: Universal Health Insurance Scheme
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3. Good Samaritan Scheme
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The ‘Scheme for Good Samaritan’ aims to recognize and reward individuals who save lives in the event of a motor vehicle accident, which also includes serious bike collisions. The scheme encourages immediate assistance to accident victims, ensuring they receive timely medical care within the critical ‘golden hour.’
Features
- Valid until March 31, 2026 (end of the 15th Financial Cycle)
- The objective of this scheme is to motivate the public to assist road accident victims promptly and without hesitation.
Reward system
- Individual reward: ₹5,000 for each Good Samaritan who saves one or more victims from a single fatal accident.
- Shared reward: ₹5,000 divided equally if multiple Good Samaritans save one victim.
- Multiple victims: ₹5,000 per victim saved, up to a maximum of ₹5,000 per Good Samaritan.
- Certificate of appreciation: Each award is accompanied by a certificate recognizing the Good Samaritan’s efforts.
- National level awards: Ten exceptional Good Samaritans are selected annually for a national award of ₹1,00,000 each.
- Award frequency: An individual can receive the award up to five times in a year.
- Certificate of appreciation: To acknowledge the Good Samaritan’s efforts.
How to apply
The applicant must have saved a victim by providing immediate assistance and ensuring they reach a hospital or trauma care center within the ‘golden hour’.
Incident reporting
- Case 1: If the incident is reported to the police first, the police will verify details with the doctor and provide an acknowledgment letter to the Good Samaritan.
- Case 2: If the Good Samaritan takes the victim directly to the hospital, the hospital will inform the police, who will then provide an acknowledgment letter.
Acknowledgment submission
The acknowledgment is sent by the police to the District Level Appraisal Committee chaired by the District Magistrate, with a copy to the Good Samaritan.
Review and approval
The District Level Appraisal Committee reviews and approves the proposals monthly.
Payment processing
Approved lists are sent to the State/UT Transport Department, which makes the payment directly to the Good Samaritan’s bank account.
National Award Nomination
By September 30th each year, State/UT committees nominate the top three proposals for national awards to the Ministry of Road Transport and Highways (MoRTH).
Know more
For more information or to apply for the award, you can contact the Ministry of Road Transport & Highways through their official website or reach out to local transport offices for guidance. Further details and updates on the scheme can be accessed via the official ministry portals and helplines.
4. Compensation to Victims of Hit and Run Motor Accident Scheme
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The Compensation to Victims of Hit and Run Motor Accident Scheme is a financial assistance initiative by the Ministry of Road Transport and Highways, aimed at providing monetary support to victims of hit-and-run motor accidents, which includes bike accidents as well. This scheme was launched in 2022, superseding the previous Solatium Scheme of 1989.
Features
- The primary objective of this scheme is to provide financial assistance in cases of death or grievous injury resulting from hit-and-run motor accidents
- Compensation is administered from the Motor Vehicle Accident Fund, which includes accounts for insured and uninsured vehicles.
- A Standing Committee at the Central Level and a District Level Committee monitor the scheme’s implementation and progress.
- Mandatory payment of compensation within 15 days of the sanction order.
Aid provided
- Death of Victim: ₹2,00,000
- Grievous Hurt: ₹50,000
How to apply
Through a designated application form – Form I.
Application submission: The victim or their legal representative must submit a duly filled Form I, along with necessary documents like the claim raised by the hospital and an undertaking in Form IV.
Verification: The Claim Enquiry Officer verifies the claim and forwards it to the Claims Settlement Commissioner.
Sanctioning: If verified, the Claims Settlement Commissioner sanctions the claim and sends the order to the General Insurance Council for disbursal.
Payment: The General Insurance Council transfers the compensation directly to the beneficiary’s bank account.
Know more
For more details and to access the necessary forms, victims or their representatives can contact the Claim Enquiry Officer in the sub-division or taluka where the accident occurred.
5. Motor Vehicle Accident Fund
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The Motor Vehicle Accident Fund is a government initiative designed to support victims of road accidents (including bike accidents) in India. It was created to offer financial assistance and ensure that all victims, including those involved in accidents with uninsured vehicles or hit-and-run cases, receive compensation. This fund is a part of the broader efforts under the Motor Vehicles Act, 1988, to enhance road safety and provide timely help to accident victims.
Features
Accounts within the Fund
- Insured Vehicles Account: For accidents involving vehicles with valid insurance.
- Uninsured Vehicles or Hit-and-Run Account: For accidents involving uninsured vehicles or hit-and-run incidents.
- Hit-and-Run compensation amount: Specifically allocated for hit-and-run accident victims.
- Legal basis: Established under sections 164B and 164C of the Motor Vehicles Act, 1988, the fund operates based on rules formulated by the Central Government.
Legal basis: Established under sections 164B and 164C of the Motor Vehicles Act, 1988, the fund operates based on rules formulated by the Central Government.
Aid provided
The Motor Vehicle Accident Fund provides the following types of aid:
- Compensation for insured vehicle accidents: Financial assistance for victims involved in accidents with insured vehicles.
- Compensation for uninsured vehicle accidents: Aid for those affected by accidents involving uninsured vehicles.
- Compensation for hit-and-run accidents: Financial support for victims of hit-and-run incidents.
How to apply
Victims or their families can apply for compensation by:
- Filing a claim: Submit a claim to the designated authority, which may include details of the accident, medical reports, and any other relevant documents.
- Verification process: The claim will be reviewed and verified by the concerned authorities.
- Disbursement of funds: Upon successful verification, the compensation amount will be disbursed to the claimant.
Know more
For further information or to apply for compensation, individuals can contact the Ministry of Road Transport and Highways or visit their official website. Specific contact details and application forms may be available online or at regional transport offices.
Contact: +91-11-2371 7411
Email: info-morth@gov.in
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State Government Schemes
Many state governments across the nation have also implemented schemes aimed at providing assistance to victims of bike accidents. These initiatives encompass a range of measures designed to alleviate the financial, physical, and emotional burdens faced by those affected by such incidents, ensuring that they receive the care and support they need to rebuild their lives.
1. Karnataka - Mukhyamantri Santwana - 'HARISH' Scheme (MSHS), now integrated with Ayushman Bharat Arogya Karnataka (AB-ArK)
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The Mukhyamantrigala Santwana – ‘HARISH’ Scheme (MSHS) is a humanitarian initiative by the Government of Karnataka aimed at providing immediate medical relief to victims of road accidents, including bike collisions, during the critical ‘golden hour.’ It ensures that road accident victims receive prompt trauma care, thereby reducing fatalities and complications arising from delayed treatment. This scheme is implemented through the Suvarna Arogya Suraksha Trust, an autonomous body under the Health and Family Welfare Department of Karnataka.
MSHS was launched in 2016 in honor of Harish Nanjappa who in his final moments pledged to donate his eyes. In 2018, this initiative was integrated into the broader Ayushman Bharat Arogya Karnataka (AB-ArK) program. This integration combined MSHS with six other schemes, enhancing the scope and reach of healthcare services for the people of Karnataka.
Features
- Immediate medical treatment: The scheme focuses on offering immediate care to road accident (including bike accident) victims within the first 48 hours, known as the ‘golden hour’.
- Comprehensive care: Covers various medical services including ICU and ward-based treatment, suturing, fracture treatment, and blood transfusions.
- Wide network of hospitals: Services provided through all government hospitals, state medical colleges, and private hospitals with emergency and polytrauma services empaneled with Suvarna Arogya Suraksha Trust.
- Accessibility: Available to all road accident victims in Karnataka, irrespective of their financial status, state, or nationality.
Aid provided
Victims receive cashless treatment up to ₹25,000 per episode.
How to apply
- Emergency response: Anyone near the accident site can call the 108 or 104 helpline to request an ambulance.
- Transportation: The Emergency Medical Technician (EMT) in the ambulance will assess the severity of injuries and transport the victim to the nearest appropriate hospital.
- Registration and treatment: Hospitals use a designated mobile number or MSS online application to register the patient and obtain a unique number for treatment approval.
- Medico-legal cases: Hospitals can provide treatment for medico-legal cases with a police information report.
Know more
Website: Suvarna Arogya Suraksha Trust, Health and Family Welfare Department, Government of Karnataka
Helpline Numbers: 108 or 104 for ambulance services
2. Karnataka - Accident Victims Scheme
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The Karnataka state government offers the ‘Accident Victims Scheme’ designed to provide immediate, cashless and cost-free medical treatment to road accident victims, which encompasses bike accident victims. This initiative ensures that all victims, regardless of their financial status, receive necessary medical care during the critical ‘golden hour’ following an accident.
Features
- Immediate medical support: Provides instant medical attention within the first hour (golden hour) of the accident.
- Coverage duration: Covers medical expenses up to 48 hours from the time of the accident.
- Eligibility: All road accident victims within Karnataka are eligible, irrespective of their Below Poverty Line (BPL) or Above Poverty Line (APL) status.
Aid provided
The scheme covers:
- Emergency medical services and treatment required within the first 48 hours post-accident.
- Medical expenses up to a cap of ₹1,00,000 per victim, per incident, ensuring that critical care is provided without financial burden on the victim or their family.
How to apply
- At the accident site: First responders or bystanders should call emergency services to ensure the victim is taken to the nearest empaneled hospital.
- Hospital admission: On arrival, the hospital will admit the patient under the Accident Victims Scheme.
- Documentation: Basic details of the accident and the victim will be recorded, but treatment will commence immediately without awaiting extensive paperwork.
Know more
For more information about the scheme or to find the nearest empaneled hospital, you can contact
Website: Suvarna Arogya Suraksha Trust, Health and Family Welfare Department, Government of Karnataka
Read more: Acko Health Insurance
3. Delhi - ‘Farishtey Dilli Ke’ Scheme
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The Farishtey Dilli Ke Scheme is an initiative by the Delhi government designed to provide free, cashless treatment to road accident (including bike accident) victims within the jurisdiction of Delhi. This scheme is inclusive, offering aid to all individuals regardless of their nationality, caste, or socioeconomic status.
Features
- Cashless treatment: Victims of road accidents receive immediate, free treatment at the nearest hospital, whether it is a public or private facility.
- Sustained Support: The Delhi Arogya Kosh fund ensures continuous financial and administrative backing for the scheme.
- Change of hospital: If a victim wishes to transfer hospitals within 72 hours of the accident, the government covers the costs for both hospitals and the ambulance.
Aid provided
- Financial support: Full coverage of medical expenses for accident victims.
- Good Samaritan reward: Anyone who assists by bringing a road accident victim to a hospital is honored with ₹2,000 and a certificate of appreciation.
- Administrative support: Ensures no legal complications for those assisting victims.
How to apply
- For victims: Immediate admission to the nearest hospital is provided automatically if the incident occurs within Delhi’s jurisdiction.
- For good samaritans: To receive the reward, simply bring the victim to the hospital. There is no formal application process for the reward.
Know more
For more information about the ‘Farishtey Dilli Ke’ Scheme, including details on participating hospitals and further assistance, you can contact:
Website: Directorate General of Health Services
Contact: 011-22307738
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4. Chandigarh - Pilot Programme by the Ministry of Road Transport and Highways
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The Government of India has initiated a pilot program to provide cashless treatment to road accident (including bike accident) victims. This program aims to ensure timely medical care for accident victims, particularly during the crucial ‘golden hour’ following an incident. Currently only operating in Chandigarh under the Ministry of Road Transport and Highways (MoRTH), this scheme seeks to establish an efficient ecosystem for emergency medical response.
Managed by the National Health Authority (NHA) in collaboration with local police, hospitals, and the State Health Agency (SHA), the scheme covers accidents involving both insured and uninsured vehicles. Victims of hit-and-run cases also receive full cashless treatment during the ‘golden hour’.
Based on the pilot program’s outcomes, there is a potential for this cashless treatment facility to be expanded nationwide, further enhancing the support system for road accident victims across India.
Features
- Cashless treatment: Victims of road accidents are entitled to cashless treatment up to for a maximum of 7 days from the date of the accident.
- Wide applicability: The program covers all road accidents, involving motor vehicles on any category of road.
- Comprehensive packages: AB PM-JAY packages for trauma and polytrauma cases are included.
- Reimbursement mechanism: Hospitals providing treatment will be reimbursed from the Motor Vehicle Accident Fund.
Aid provided
Financial coverage of up to ₹1.5 lakh per person per accident for medical treatment, ensuring no out-of-pocket expenses for the victims within the specified limits.
How to apply
- Automatic enrollment: All bike accident victims in the pilot area (Chandigarh) are automatically eligible for the scheme.
- IT platform integration: The program operates through an integrated IT platform combining the e-Detailed Accident Report (eDAR) application of MoRTH and the Transaction Management System (TMS) of NHA.
- Hospital claims: Hospitals will directly raise claims for the treatment provided, which will be processed and reimbursed from the Motor Vehicle Accident Fund.
Know more
For further information and assistance regarding the pilot program for cashless treatment of bike accident victims, individuals can contact:
Website: Ministry of Road Transport and Highways (MoRTH)
Contact: +91-11-2371 2484
Website: National Health Authority (NHA)
Contact: +91-11-2306 3691
5. Rajasthan - Mukhyamantri Ayushman Accident Insurance Scheme
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The “Mukhyamantri Ayushman Accident Insurance Scheme” (MCSBY) offers free accident insurance cover to families insured under state government health schemes in event of accidents specified in the scheme.
Features
- Covers death or damage caused by various accidents including road, train, and air accidents
- Administered through the State Insurance and Provident Fund Department.
- Linked to Jan Aadhar card, with the head of the family considered the head of the insured family.
- Eligibility:
- Members insured under Chief Minister Ayushman Health Insurance Scheme
- Families registered under RGHS
Aid provided
- Compensation
- Death of a family member in an accident: ₹5 lakh
- Death of more than one family member in an accident: ₹10 lakh
- Complete loss of both hands, legs, or eyes, or various combinations thereof: ₹3 lakh
- Complete loss of one hand, leg, or eye: ₹1.5 lakh
- Benefits are disbursed to the head of the family’s bank account linked to Jan Aadhar card
How to apply
- Claim form must be filled online within 60 days of the accident or death.
- Claim form can be completed within 90 days by stating reasons for any delay.
- Claimant receives notification of acceptance, rejection, or objections via SMS.
- Online appeals can be submitted to the Director, State Insurance and Provident Fund Department within 30 days of claim disposal.
Know more
For more information and assistance, please contact
6. Jharkhand - Legal Services to the Road Accident Victims
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The “Legal Services to Road Accident Victims (through Legal Services Authorities) Scheme, 2024” is designed to support road accident (including bike accident) victims and their families. It aims to provide legal aid to road accident victims, addressing their needs for medical treatment, prosecution of offenders, and securing compensation. The scheme also emphasizes creating public awareness and encouraging timely assistance from bystanders through various initiatives.
Features
- Legal assistance: Help in prosecuting offenders and claiming compensation.
- Medical treatment: Support in ensuring proper medical care for accident victims.
- Awareness programs: Para Legal Volunteers (PLVs) and panel lawyers work to educate the public on the importance of assisting accident victims and understanding legal protections.
- Cashless scheme: Victims can receive cashless treatment for a maximum of seven days from the accident date, covering all types of road accidents
- Public education: Installation of hoardings and distribution of information about the right to emergency care and legal protections for those who assist accident victims.
Aid provided
- Medical assistance: Support up to ₹1.5 lakh and legal guidance to secure timely and appropriate medical care.
- Compensation: Assistance in claiming financial compensation for victims and their families.
- Prosecution support: Legal aid for prosecuting those responsible for the accidents.
- Good Samaritan policy: Rewards up to ₹2,000 for individuals who help transport accident victims to hospitals during the crucial ‘golden hour’
How to apply
Victims or their families can seek help by approaching the nearest District Legal Services Authority (DLSA). Special units within the 24 DLSAs have been established to provide the necessary legal aid. Detailed information on applying can be found on hoardings or by contacting Legal Services Authorities directly.
Know more
For more information, contact your local District Legal Services Authority. Additional support can be accessed through the JHALSA website or their offices.
Contact: 0651-2481520
Email: jhalsaranchi@gmail.com
Website: Jharkhand State Legal Services Authority (JHALSA)
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7. Jammu and Kashmir - Road Accident Victim Fund
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The Jammu and Kashmir Road Accident Victims Fund was established to provide immediate financial assistance to the dependents and legal heirs of individuals killed or injured in road accidents (including bike accidents) involving passenger or private vehicles. This includes vehicles owned by the government, corporations, and public sector undertakings.
Features
- A one-time contribution of 0.5% of the vehicle’s cost will be charged at the time of registration to support the welfare fund.
- A minimum balance of ₹. 1 Crore will be maintained in the Transport Department.
- The Finance Department will allocate the necessary funds.
Aid provided
The fund is dedicated to providing ex-gratia relief to victims of road accidents within the Union Territory of Jammu and Kashmir. This ensures immediate support for the families of those affected by such tragedies.
Know more
Website: Jammu & Kashmir Transport Department
The availability of government schemes providing financial support after a bike accident serves as a crucial safety net for victims, as they not only help ease the financial burden but also provide a sense of security and assistance during the challenging recovery process. By accessing these schemes, bike accident victims can find the support they need to rebuild their lives and move forward with confidence.
Crowdfunding platforms like Milaap can also provide a lifeline for those in need via fundraising for medical expenses, enabling accident victims to access the treatment they require without delay.
In times of need, support means everything, and with Milaap, you need not look any further. Milaap enables you to set up a fundraiser for any medical emergency within minutes, and you can easily raise funds for treatment expenses.
Do you know someone who could benefit from fundraising? Simply refer them to us and we’ll be happy to lend a hand.
Visit www.milaap.org or call us on +91 9916174848 to get started now.
For more information, write to us at cx@milaap.org.
