UPSC Prelims Practice Questions — Government Launches “PM RAHAT” – Cashless Treatment of Road Accident Victims

Q1. With reference to the statutory foundation of the PM-RAHAT Scheme, consider the following statements: Which of the statements given above is/are correct?

  1. The obligation to frame a scheme for cashless treatment of road accident victims was inserted into the Motor Vehicles Act, 1988 by the Motor Vehicles (Amendment) Act, 2019.
  2. The statutory concept of the 'golden hour' was introduced into the law only in 2026 through the notification that named the PM-RAHAT Scheme.
  3. The cashless-treatment obligation and the hit-and-run solatium mechanism are traceable to different provisions of the Motor Vehicles Act, 1988.
  • A. 1 and 2 only
  • B. 1 and 3 only
  • C. 2 and 3 only
  • D. 1, 2 and 3

Q2. With reference to the design and scope of the PM-RAHAT Scheme, consider the following statements: Which of the statements given above is/are correct?

  1. The acronym expands to 'Prime Minister – Road Accident Victims' Hospitalisation and Assured Treatment'.
  2. Its benefits are available to a victim irrespective of income and insurance status.
  3. Its benefits apply irrespective of the category of road on which the accident occurred.
  4. Coverage is restricted to accidents involving commercial (transport) vehicles only.
  • A. 1 and 4 only
  • B. 2 and 3 only
  • C. 1, 2 and 3 only
  • D. 1, 2, 3 and 4

Q3. With reference to the institutional architecture of the PM-RAHAT Scheme, consider the following statements: Which of the statements given above is/are correct?

  1. The Ministry of Road Transport and Highways is the nodal ministry, while the National Health Authority is the implementing agency.
  2. It is a Central Sector Scheme, with the Union government bearing the funding responsibility rather than a fixed centre–state cost-sharing split.
  3. After the scheme is notified, the health side is administered wholly by the Ministry of Health and Family Welfare, with no continuing role for the Ministry of Road Transport and Highways.
  • A. 1 and 2 only
  • B. 2 and 3 only
  • C. 1 and 3 only
  • D. 1, 2 and 3

Q4. Which one of the following is the dedicated fund through which hospitals are reimbursed for cashless treatment provided under the PM-RAHAT Scheme?

  • A. Central Road and Infrastructure Fund
  • B. Motor Vehicle Accident Fund
  • C. National Health Mission Fund
  • D. Nirbhaya Fund

Q5. Under the PM-RAHAT Scheme, cashless treatment (up to ₹1.5 lakh) is provided for a maximum of how many days from the date of the accident?

  • A. 3 days
  • B. 7 days
  • C. 10 days
  • D. 15 days

Q6. With reference to the coverage and settlement parameters of the PM-RAHAT Scheme, consider the following statements: Which of the statements given above is/are NOT correct?

  1. The treatment cost is capped at ₹1.5 lakh per victim.
  2. Stabilisation treatment is provided for up to 24 hours in non-life-threatening cases.
  3. Stabilisation treatment is provided for up to 48 hours in life-threatening cases.
  4. Payments to hospitals are disbursed directly by the Insurance Regulatory and Development Authority of India (IRDAI).
  • A. 1 and 2 only
  • B. 2 and 3 only
  • C. 1, 3 and 4 only
  • D. 4 only

Q7. The notification (S.O. 2015(E) dated 05.05.2025) that operationalised the cashless treatment scheme later branded PM-RAHAT was issued by which one of the following ministries?

  • A. Ministry of Health and Family Welfare
  • B. Ministry of Road Transport and Highways
  • C. Ministry of Home Affairs
  • D. Ministry of Finance

Q8. The cashless treatment scheme now known as PM-RAHAT is framed under which one of the following provisions of the Motor Vehicles Act, 1988?

  • A. Section 2(12A)
  • B. Section 162
  • C. Section 163
  • D. Section 164B

Q9. The pilot programme for cashless treatment of road accident victims that preceded PM-RAHAT was first rolled out in 2024 in which one of the following?

  • A. Puducherry
  • B. Chandigarh
  • C. Delhi
  • D. Andaman and Nicobar Islands

Q10. For the nationwide rollout of PM-RAHAT, the empanelled hospital network of which one of the following — the country's largest publicly-funded hospital-empanelment platform — is treated as the set of 'designated hospitals'?

  • A. Central Government Health Scheme (CGHS)
  • B. Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB PM-JAY)
  • C. Employees' State Insurance Scheme (ESIC)
  • D. Rashtriya Arogya Nidhi

Q11. Among the following mechanisms for road-accident victims, which one was the earliest statutory arrangement created to compensate victims specifically in hit-and-run cases?

  • A. Good Samaritan Guidelines, 2020
  • B. Solatium Scheme, 1989
  • C. PM-RAHAT Scheme, 2026
  • D. Ayushman Bharat – PM-JAY