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Objective of the Scheme:

To give immediate and instant Medical Treatment/Relief for the victims of the Road Accidents during "Golden Hour".


A humanitarian scheme from the Government of Karnataka to provide Trauma care to Road Accident victims within the Golden hour. Implemented through Suvarna Arogya Suraksha Trust, an autonomous and registered body under the Health and Family Welfare Department, Karnataka.


Context :


Road traffic accidents are unfortunately a part of our daily lives. Often, it is noticed or reported that persons who meet with any road traffic accidents suffer from complications of injuries or even die because they are unable to receive immediate care and hospitalization.




Karnataka ranks fourth in the country in the number of road accidents with 43694 accidents per year (2014). 56818 were injured, 10444 deaths. In 2013, Karnataka ranked 2nd in the country in terms of road accident injuries and ranked fifth for deaths due to RTAs .

Road Traffic Injuries are responsible for over a third of the world injury burden and resulted in the loss of 76 million Disability Adjusted Life Years (DALYs). To address this grave situation, The Government of Karnataka with support of the World Bank, has taken a pioneering initiative to start the Mukhyamantri Santwana - 'Harish' Scheme.


Beneficiaries of MSS :


All the road traffic accident victims, who meet with accidents on the roads of Karnataka, irrespective of BPL/APL status, state or nationality.


Benefits of the scheme:



Immediate and instant Medical Treatment for the victims of Road Accidents during Golden Hour (48 hours).Cashless treatment to the road accident victims with a maximum amount of Rs. 25,000/- per victim per episode.


Response to a road accident:


  • Any person who is near the accident site can call the 108 or 104 helpline for the ambulance.

  • EMRI will send the ambulance to the accident site.

  • The EMT (Emergency Medical Technician) in 108 will shift the victim to the nearest and appropriate level of Hospital based on the severity of the injuries.  Private ambulance or any other means of transportation can also be utilised by the public.

  • The victim will be treated free of cost in the hospital.

  • This includes patient with or without a Medico Legal Case.

  • Government will settle the claim for the hospital for the cost of treatment provided in the first 48 hours.

  • Treatment cost beyond 48 hours or more than Rs 25000/ will be borne by the beneficiary.


Hospitals providing services under this scheme:


  • All government hospitals ( District, Taluka, CHC, PHC)

  • All state medical colleges – public and private

  • All private hospitals with emergency and polytrauma services empaneled with SAST.

  • All the recognized hospital have been mapped on GPS platform, to help the EMRI in locating the nearest appropriate hospital for treatment.


Services provided under MSS:


  • Stabilizing the patient as per the severity of injuries.

  • Suturing and dressing of wounds – simple and compound
  • .
  • ICU based treatment.

  • Ward based treatment.

  • Treatment of fractures, head injuries, spinal injuries, burns.

  • Blood transfusion.

  • 25 packages as defined by the Expert Committee ranging from Rs 1000 to maximum of Rs 25000/.

Hospital level features of this scheme include:


  • Instant patient registration & approval for treatment through designated phone number through dedicated Mobile Number/MSS online application to get spontaneous unique number. This number which shall be utilized for further reference and correspondence.

  • Scope for hospitals to provide treatment for Medico-Legal cases with police information report
  • .
  • Designated Software for hospital empanelment, patient registration & claim processing http://mss.kar.nic.in.

  • Hospitals are graded as Level 1 (Super-specialty), Level 2 and Level 3 ( Primary care), based on the infra-structure, staff and treatment facilities available.

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Address :
Suvarna Arogya Suraksha Trust - Bangalore TTMC Building, "A" Wing, 4th Floor, K H Road Bangalore - 570 027 Tel No : 080-22536200.
Fax No : 080-22536221
Email : mssharishscheme@gmail.com Helpline Number :108/104 (Toll Free) : 1800 425 8330

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