Free Crowdfunding for India | #1 Fundraising website in India | Milaap

Things to Know Before You Take a Personal Loan for Medical Bills in India

FINANCING MEDICAL EMERGENCIES In INDIA

Things To Know Before You Take A Personal Loan For Medical Bills in India

Written by:

Utkarsh Bagri

Medical emergencies can strike at any time, and they often come unannounced. For the middle-class population in India, managing the unexpected expenses associated with medical emergencies can be challenging. While health insurance is essential, it may not cover all expenses. In such situations, personal loans can bridge this gap, offering a quick and flexible solution.

 

To qualify for these loans, individuals typically need to meet certain eligibility criteria, including a stable income and a good credit score. Prerequisites may involve submitting income documents, identity proofs, and address verification. The processing time for these loans is often swift, providing immediate relief during urgent medical situations.

 

This article will explore personal loans for medical emergencies in India, covering eligibility criteria, prerequisites, processing time, cost, loan quantum, tenor, and a comprehensive analysis of their pros and cons.

Eligibility criteria

Understanding these criteria is crucial for potential borrowers, as they provide insights into the factors lenders consider when evaluating eligibility for personal loans. Meeting these requirements enhances the likelihood of a successful loan application.

Applicants should typically be between 18 and 60 years old to be eligible for a personal loan as a salaried individual. Some banks offer loans to applicants aged more than 60 as well.

A minimum monthly income, often around INR 15,000 – INR 25,000, is required. However, this figure may vary depending on the lending institution.

Typically, a minimum work experience of 1 year is preferred, though some lenders may require a longer tenure of employment.

Salaried applicants are generally expected to have a credit score of preferably 700 and above for a higher chance of loan approval.

Self-employed individuals should usually fall within the age range of 21 to 65 years to meet eligibility criteria.

A minimum annual income, commonly around INR 15 lakh, is required for self-employed applicants. This figure may vary across different lenders.

Typically, a business continuity of at least 3 years is preferred, though some lenders may stipulate a longer period.

Similar to salaried applicants, self-employed individuals are generally expected to have a credit score of preferably 700 and above for favourable loan terms.

The table below compares the loan eligibility criteria of various top banks and NBFCs
Lenders
Eligible Loan Amount
Minimum Eligible Income

Prerequisites

Income proof is essential documentation verifying an individual’s financial stability and repayment capability for a personal loan. 

Salary slips, offering a snapshot of regular income.

Bank account statements of the last 3 months for transcation history.

Income tax returns for a comprehensive overview of earnings and tax liabilities.

Identity proof is a fundamental requirement in the personal loan application process, establishing the applicant’s true identity.

Accepted documents, such as Aadhar Card and Passport, provide official confirmation of the individual’s name, photograph, and essential details, ensuring a secure and legitimate transaction.

Address proof validates an applicant’s residential address for a personal loan application. 

Documents like utility bills, passport, and voter ID serve this purpose, offering tangible evidence of the individual’s place of residence.

An employment certificate is a formal document from the employer, confirming an individual’s employment status, tenure, and salary details. It strengthens the loan application by providing official validation of the applicant’s income and employment stability, instilling confidence in the lender.

Processing time:

Personal loans are known for their quick processing. 

Costs

The cost of personal loans can vary depending on the lender, but here are the key components to consider:

Personal loan interest rates in India can fluctuate widely, ranging from 10% to 30% or higher. The actual rate is contingent on the lender’s policies and the borrower’s creditworthiness.

The table below shows the interest rate of various popular loan providers:

Lenders

Interest Rates (p.a.)

Lenders typically impose a processing fee, typically 1-2% of the loan amount. This fee is charged for the administrative tasks involved in handling and approving the loan application.

The table below shows the processing fees of various popular loan providers:

Lenders

Processing Charges (% of loan amount)

Personal loan prepayment helps borrowers to save on the interest costs that they would have incurred had the loan continued for the entire term. 

 

For example, if a loan applicant wants a personal loan of INR 10 lakh at 13% p.a. interest rate for a 5-year loan tenure, the EMI will be INR 22,753 and the total interest cost will be about INR 3.65 lakhs. If they decide to repay the entire outstanding loan amount after 1 year, they will be able to save around INR 2.44 lakhs in interest costs.

However, Some Non-Banking Financial Companies (NBFCs) may enforce prepayment penalties if borrowers choose to settle the loan before the agreed-upon tenor, impacting the overall cost.

Failing to adhere to the repayment schedule can result in late payment charges, adding an extra financial burden. It is essential for borrowers to stay vigilant about timely repayments.

Availing a personal loan based on the type of treatment

When contemplating a personal loan for medical expenses, it’s essential to first distinguish between non-elective and elective treatments.

Non-elective treatment

Non-elective treatments are medically necessary interventions for acute conditions, accidents, or serious illnesses that demand immediate attention to prevent significant health risks. Personal loans are often justified for these treatments as they provide a swift source of funds.

Elective treatment

Elective procedures are planned medical interventions that are not immediately life-threatening, like cosmetic surgery, fertility treatments, or non-urgent joint replacements. While personal loans can still be used for elective treatments, careful consideration is necessary, as opting to postpone or save for these expenses may be a more financially prudent choice.

Additionally, when considering a personal loan for medical expenses, it’s important to define the relationship between the patient and the borrower. This distinction can significantly impact the decision.

Patient as borrower:

In one scenario, the patient takes on the role of the borrower, applying for a personal loan to cover their own medical expenses. This arrangement is straightforward and allows the patient to independently manage their finances.

Patient as borrower:

Alternatively, family members, such as parents or spouses, may choose to apply for a personal loan to finance the patient’s treatment in certain situations. In such cases, the lender will evaluate the borrower’s eligibility and creditworthiness. This approach may be suitable when the patient lacks the necessary financial standing to secure a loan.

 
Availing a personal loan based on patient-borrower relationship:

Health insurance coverage

Suppose a cancer patient has health insurance that covers medical expenses related to hospitalization, surgery, and chemotherapy. However, there are certain aspects that insurance may not fully cover, such as:

Non-medical expenses

Personal loans can cover non-medical expenses like travel and accommodation during treatment, which are typically not included in health insurance policies.

Advanced treatments

In some cases, insurance may not cover advanced or experimental treatments, but the patient may choose to explore these options. Personal loans can bridge the financial gap for such treatments.

 
Loss of income

During prolonged treatment, the patient or their caregiver may experience a loss of income due to reduced working hours or job loss. Personal loans can provide financial support to cover living expenses during this period.

 
Pros of using personal loans during medical emergencies

Personal loans provide rapid access to funds, an invaluable advantage during urgent medical situations where immediate financial support is crucial.

Being unsecured, personal loans eliminate the need for collateral or security, allowing individuals to secure funds without risking their assets

The versatility of personal loans extends to their usage, offering borrowers the freedom to allocate funds as needed, whether for hospital bills, surgeries, medications, or post-treatment expenses.

Personal loans often offer a variety of repayment tenors, allowing borrowers to choose a timeframe that aligns with their financial capacity, thereby easing the burden of repayment.

Despite their convenience, personal loans tend to carry higher interest rates, potentially increasing the overall cost of the borrowed amount over time.

Accumulating additional debt through personal loans poses a financial risk, particularly if the borrower already manages existing financial commitments, potentially leading to a debt cycle.

Defaulting on personal loan payments can have a lasting negative impact on your credit score, affecting your ability to secure favorable terms for future credit.

Personal loans may come with processing fees, adding an upfront cost to the borrower that should be considered when assessing the overall affordability of the loan.

The loan amount available through personal loans may be limited, and it may not cover extensive or ongoing medical expenses, necessitating careful consideration of the adequacy of the loan amount for the specific emergency.

Cons of using personal loans during medical emergencies

What to remember before taking a personal loan

By carefully considering these factors, you can make a more informed decision about whether a personal loan is the right choice for your financial situation:

Assess your financial situation

Understand your current financial situation, including your income, expenses, and existing debts. Ensure that you can afford the monthly loan payments without compromising your financial stability.

Total cost of the loan

Calculate the total cost of the loan over its entire duration. This includes interest, fees, and any other costs. This will give you a clearer picture of the financial commitment you are making.

Check your credit score:

A higher credit score often results in lower interest rates. Check your credit score and take steps to improve it if necessary before applying for a loan.

Interest rates and fees

Understand your current financial situation, including your income, expenses, and existing debts. Ensure that you can afford the monthly loan payments without compromising your financial stability.

Purpose of the loan:

Clearly define the purpose of the loan. Whether it’s for debt consolidation, home improvement, education, or other needs, having a specific purpose can help you determine the loan amount and terms.

Loan terms

Carefully review the loan terms, including the repayment period and any associated penalties for early repayment. Longer loan terms may result in lower monthly payments but could cost more in interest over the life of the loan.

Secured vs unsecured loan

Personal loans can be either secured (backed by collateral) or unsecured. Secured loans may have lower interest rates, but they carry the risk of losing the collateral if you default on the loan.

Read the fine print

Carefully read and understand the terms and conditions of the loan agreement. Pay attention to any clauses related to prepayment penalties, late fees, or other terms that may impact the cost of the loan.

Repayment plan

Have a clear plan for repaying the loan. Ensure that the monthly payments fit comfortably within your budget. Consider creating an emergency fund to cover unexpected expenses and prevent financial strain.

Consider alternatives

Before committing to a personal loan, explore other financing options such as credit cards, home equity loans, or lines of credit. Each option has its advantages and disadvantages. 

Lender reputation

Choose a reputable lender with a history of fair and transparent lending practices. Read reviews, check the lender’s ratings, and gather feedback from other borrowers.

Future financial goals

Consider how taking a personal loan aligns with your long-term financial goals. Will it help you achieve your objectives, or could it hinder your financial progress?

Please note:  This information is for general purposes only and is not financial or legal advice.  

 

The details and costs presented are subject to change due to various factors, such as regulatory updates, economic conditions, and individual circumstances. Relying on this information is at the reader’s own risk, and it is advisable to consult with financial experts for accurate and up-to-date information tailored to individual circumstances.

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.


My Journey From Beating Breast Cancer To Fitness Coaching

Inspiring Path to Healing

My Journey From Beating Breast Cancer To Fitness Coaching

Manisha’s story isn’t just a tale of survival; it’s a testament to the incredible strength within us, waiting to be unleashed in the face of life’s challenges. Her experience illustrates that no matter how insurmountable obstacles may appear, courage, determination, and belief in our abilities can carry us through.

Inspiring Path to Healing

My Journey From Beating Breast Cancer To Fitness Coaching

Manisha’s story isn’t just a tale of survival; it’s a testament to the incredible strength within us, waiting to be unleashed in the face of life’s challenges. Her experience illustrates that no matter how insurmountable obstacles may appear, courage, determination, and belief in our abilities can carry us through.

Inspiring Path to Healing

My Journey From Beating Breast Cancer To Fitness Coaching

Manisha’s story isn’t just a tale of survival; it’s a testament to the incredible strength within us, waiting to be unleashed in the face of life’s challenges. Her experience illustrates that no matter how insurmountable obstacles may appear, courage, determination, and belief in our abilities can carry us through.

Written by:

Aathira Ayyappan

Manisha after undergoing axillary lymph node dissection.

Manisha, amid her cancer treatment.

In the midst of the whirlwind that had completely upended my life, I found myself on a journey that demanded determination, resilience, and an unshakable belief in the power of the human spirit. On that fateful day, April 27th, 2022, as I sat in my gynaecologist’s office, I learned the news that changed my life: I was diagnosed with breast cancer.

Cancer may have entered my life uninvited, but it was met with a force it hadn’t anticipated: my unyielding will to overcome.

Defying limitations: A fitness journey Redefined

I had always been a fitness enthusiast and took great care of my health and appearance; so the cancer diagnosis completely shook me. On May 12th, 2022, I underwent breast conservation surgery, a significant step in my battle against cancer. The procedure aimed to remove the cancerous cells while preserving as much of my breast tissue as possible. It was a pivotal moment that brought both relief and uncertainty. 

Furthermore, I had to undergo a surgery that involved the removal of lymph nodes from my right axilla (armpit), which had also put me at a high risk of developing a condition called lymphoedema, which causes build-up of lymph fluid. This situation may have been overwhelming and terrifying to any other person, but I never cowered in fear of what could happen. I wasn’t ‘scared to death’ like I was expected to be, nor was I going to grant cancer the power to steal my worth.

As I navigated the uncharted waters of recovery, I embraced every moment as an opportunity to defy the odds. The cautionary words of my doctors echoed in my ears: I was not to lift more than 5 kgs with my right hand, a restriction that could have easily shattered my passion for fitness. However, I was not one to be confined by limitations. Instead, I chose to view this challenge as a chance to redefine what was possible.

With the support of my trainer, who saw my potential when others saw restrictions, I embarked on a fitness journey that was as unconventional as it was empowering. I delved into alternative forms of exercise that not only respected my physical constraints but also nurtured my body and soul. Yoga became my sanctuary, offering me a space where I could find peace amidst the chaos, and pilates became my ally, strengthening my core and rebuilding my physical foundation.

Radiation therapy: A test of endurance and resolve

My journey was not without its challenges. Radiation therapy, a crucial component of my treatment, tested my endurance and resolve. Yet, with each session, I emerged stronger, my spirit unbroken, and my determination reinforced. The support of my loved ones, especially my husband who stood by my side, the team of doctors and various cancer support groups became my anchor in the storm.

In the midst of the whirlwind that had completely upended my life, I found myself on a journey that demanded unwavering determination, resilience, and an unshakable belief in the power of the human spirit. On that fateful day, April 27th, 2022, as I sat in my gynaecologist’s office, I learned the news that changed my life: I was diagnosed with breast cancer.

Cancer may have entered my life uninvited, but it was met with a force it hadn’t anticipated: my unyielding will to overcome.

Manisha, after undergoing axillary lymph node dissection.

Defying limitations: A fitness Journey Redefined

I had always been a fitness enthusiast and took great care of my health and appearance; so the cancer diagnosis completely shook me. On May 12th, 2022, I underwent breast conservation surgery, a significant step in my battle against cancer. The procedure aimed to remove the cancerous cells while preserving as much of my breast tissue as possible. It was a pivotal moment that brought both relief and uncertainty. 

Furthermore, I had to undergo a surgery that involved the removal of lymph nodes from my right axilla (armpit), which had also put me at a high risk of developing a condition called lymphoedema, which causes build-up of lymph fluid. This situation may have been overwhelming and terrifying to any other person, but I never cowered in fear of what could happen. I wasn’t ‘scared to death’ like I was expected to be, nor was I going to grant cancer the power to steal my worth.

Manisha, amid her cancer treatment.

As I navigated the uncharted waters of recovery, I embraced every moment as an opportunity to defy the odds. The cautionary words of my doctors echoed in my ears: I was not to lift more than 5 kgs with my right hand, a restriction that could have easily shattered my passion for fitness. However, I was not one to be confined by limitations. Instead, I chose to view this challenge as a chance to redefine what was possible.

With the support of my trainer, who saw my potential when others saw restrictions, I embarked on a fitness journey that was as unconventional as it was empowering. I delved into alternative forms of exercise that not only respected my physical constraints but also nurtured my body and soul. Yoga became my sanctuary, offering me a space where I could find peace amidst the chaos, and pilates became my ally, strengthening my core and rebuilding my physical foundation.

Radiation therapy: A test of endurance and resolve

My journey was not without its challenges. Radiation therapy, a crucial component of my treatment, tested my endurance and resolve. Yet, with each session, I emerged stronger, my spirit unbroken, and my determination reinforced. The support of my loved ones, especially my husband who stood by my side, the team of doctors and various cancer support groups became my anchor in the storm.

Manisha, during her workouts at the gym.

Laughter as a coping mechanism: Illuminating the darkest moments

It was not long before I discovered the incredible impact of exercise on my overall well-being. Physical activity became a realm where I could regain a sense of control, rebuild my strength, and challenge the limitations that cancer and the subsequent lymphoedema sought to impose on me. The gym, once a place of solace, transformed into a battleground where I fought not only for my physical health but also for my mental and emotional well-being.

I chose laughter as my unexpected coping mechanism. The ability to find joy in the darkest moments became my source of strength, reminding me that even in the midst of pain, there was room for happiness. Laughter became my bridge between despair and hope.

Manisha, during her workouts at the gym.

Manisha, in recovery.

Laughter as a coping mechanism, illuminating the darkest moments

It was not long before I discovered the incredible impact of exercise on my overall well-being. Physical activity became a realm where I could regain a sense of control, rebuild my strength, and challenge the limitations that cancer and the subsequent lymphoedema sought to impose on me. The gym, once a place of solace, transformed into a battleground where I fought not only for my physical health but also for my mental and emotional well-being.

I chose laughter as my unexpected coping mechanism. The ability to find joy in the darkest moments became my source of strength, reminding me that even in the midst of pain, there was room for happiness. Laughter became my bridge between despair and hope.

Believing in myself and overcoming adversity 

As I reflect on my journey, I am reminded of the incredible strength that resides within us, waiting to be unleashed in the face of challenges. I am living proof that life’s obstacles, however daunting, can be overcome with courage, determination, and an unwavering belief in our abilities. Even in the darkest storms, there is a light within us that can guide us to victory.

To all the #WonderWomen out there, facing their battles with unwavering courage, I say this: Believe in your strength, embrace your resilience, and never underestimate the power of your spirit. We are capable of overcoming anything that comes our way, for within us lies a limitless reservoir of strength and courage. Together, we can rise above the challenges, emerging victorious, and inspiring others to do the same.

A new chapter: Embracing life as a survivor and inspiring others

Manisha, amid her cancer treatment.

Believing in myself and overcoming adversity 

As I reflect on my journey, I am reminded of the incredible strength that resides within us, waiting to be unleashed in the face of challenges. I am living proof that life’s obstacles, however daunting, can be overcome with courage, determination, and an unwavering belief in our abilities. Even in the darkest storms, there is a light within us that can guide us to victory.

To all the #WonderWomen out there, facing their battles with unwavering courage, I say this: Believe in your strength, embrace your resilience, and never underestimate the power of your spirit. We are capable of overcoming anything that comes our way, for within us lies a limitless reservoir of strength and courage. Together, we can rise above the challenges, emerging victorious, and inspiring others to do the same.

Manisha, during the recent festival season.

A new chapter: Embracing life as a survivor and inspiring others

In the tapestry of my life, cancer and lymphedema were but threads, chapters in my story, not the entirety of it. I emerged from this experience not as a victim, but as a survivor. And as I stand here today, I stand not just for myself but for every woman who has faced difficulties and emerged stronger, for we are all Wonder Women in our own right, capable of conquering the world with our strength, grace, and firm resolve.

Now, as a fitness trainer, living a ‘normal’ life once more, I cherish each day as a precious gift. My hope is to inspire survivors, showing them that life after cancer and lymphedema is not merely a continuation but a chance to thrive. Through my fitness journey, I aim to demonstrate that the human spirit is resilient, unyielding, and capable of achieving remarkable feats. Together, we can face the future with courage, knowing that we are Wonder Women, unstoppable in our pursuit of a fulfilling, joyful life.

Never doubt your spirit. And remember, your body can stand almost anything. It’s your mind you have to convince.

Manisha, during the recent festival season.

In the tapestry of my life, cancer and lymphedema were but threads, chapters in my story, not the entirety of it. I emerged from this experience not as a victim, but as a survivor. And as I stand here today, I stand not just for myself but for every woman who has faced difficulties and emerged stronger, for we are all Wonder Women in our own right, capable of conquering the world with our strength, grace, and firm resolve.

Now, as a fitness trainer, living a ‘normal’ life once more, I cherish each day as a precious gift. My hope is to inspire survivors, showing them that life after cancer and lymphedema is not merely a continuation but a chance to thrive. Through my fitness journey, I aim to demonstrate that the human spirit is resilient, unyielding, and capable of achieving remarkable feats. Together, we can face the future with courage, knowing that we are Wonder Women, unstoppable in our pursuit of a fulfilling, joyful life.

Never doubt your spirit. And remember, your body can stand almost anything. It’s your mind you have to convince.

Share this story with someone who could benefit from this advice or inspiration, especially if they are going through a similar situation.

Share this story with someone who could benefit from this advice or inspiration, especially if they are going through a similar situation.

Written by:

Aathira Ayyappan

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.


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.


This Mother Fought Breast Cancer With Everything She Had – And Won! ​

FROM CANCER TO COURAGE

This Mother Fought Breast Cancer With Everything She Had - And Won!

In the captivating narrative of Farida Rizwan’s life, one might be quick to perceive a carefree 57-year-old woman, a loving mother to her two cherished children, and a picture of contentment. But delve beneath the surface, and you’ll uncover a tale of fortitude, as Farida has waged a tenacious battle against cancer for over two decades.

FROM CANCER TO COURAGE

This Mother Fought Breast Cancer With Everything She Had - And Won!

In the captivating narrative of Farida Rizwan’s life, one might be quick to perceive a carefree 57-year-old woman, a loving mother to her two cherished children, and a picture of contentment. But delve beneath the surface, and you’ll uncover a tale of fortitude, as Farida has waged a tenacious battle against cancer for over two decades.

FROM CANCER TO COURAGE

This Mother Fought Breast Cancer With Everything She Had - And Won!

In the captivating narrative of Farida Rizwan’s life, one might be quick to perceive a carefree 57-year-old woman, a loving mother to her two cherished children, and a picture of contentment. But delve beneath the surface, and you’ll uncover a tale of fortitude, as Farida has waged a tenacious battle against cancer for over two decades.

Written by:

Anoushka Pinto

In 1996, at the tender age of 29, Farida received the life-altering diagnosis of 3rd stage breast cancer. At the time, her beloved daughter, just 11 months old, was already facing the challenges of life with special needs. A pre-university college drop-out with no source of income and lacking the support of her husband, who had chosen a different path in Dubai, Farida was confronted with a daunting reality.

While breastfeeding my 11-month-old, I noticed a lump in my breast. I ignored it at first, but it later turned into a hard, bony structure. With a family history of cancer, my father and sister having battled it, I struggled to accept this diagnosis.

In 1996, at the tender age of 29, Farida received the life-altering diagnosis of 3rd stage breast cancer. At the time, her beloved daughter, just 11 months old, was already facing the challenges of life with special needs. A pre-university college drop-out with no source of income and lacking the support of her husband, who had chosen a different path in Dubai, Farida was confronted with a daunting reality.

While breastfeeding my 11-month-old, I noticed a lump in my breast. I ignored it at first, but it later turned into a hard, bony structure. With a family history of cancer, my father and sister having battled it, I struggled to accept this diagnosis.

Farida with her daughter, Farheena.

When she received the grim news of her diagnosis, Farida’s first instinct was to fight. With a 4-year-old and an 11-month-old baby relying on her, the weight of responsibility pressed heavily on her heart. She couldn’t help but dwell on the thought of who would care for them if she weren’t there. Her family had already been through the throes of this merciless disease. Her father had endured brutal side effects during his treatment, and her sister, haunted by fear, had refused to undergo treatment. Unfortunately, her sister’s condition had worsened without medical intervention.

Refusing to give up, Farida let her inner strength shine, and embarked on a journey of survival, not only for herself but for her children as well, especially her daughter. To the outside world, she may have appeared as a vulnerable woman traveling through the bustling streets of Bangalore. But beneath this facade, was a mother with great determination.

Farida with her daughter, Farheena.

When she received the grim news of her diagnosis, Farida’s first instinct was to fight. With a 4-year-old and an 11-month-old baby relying on her, the weight of responsibility pressed heavily on her heart. She couldn’t help but dwell on the thought of who would care for them if she weren’t there. Her family had already been through the throes of this merciless disease. Her father had endured brutal side effects during his treatment, and her sister, haunted by fear, had refused to undergo treatment. Unfortunately, her sister’s condition had worsened without medical intervention.

Refusing to give up, Farida let her inner strength shine, and embarked on a journey of survival, not only for herself but for her children as well, especially her daughter. To the outside world, she may have appeared as a vulnerable woman traveling through the bustling streets of Bangalore. But beneath this facade, was a mother with great determination.

I travelled around Bangalore in crowded BTS buses with my bald head, carrying my daughter in my arms, and made soft toys to share with the world and sell to retailers and at exhibitions. In the toughest phase of life, my motivation was my daughter. I didn't want to leave my daughter to fight it out alone in this society and wanted to live for her.

I travelled around Bangalore in crowded BTS buses with my bald head, carrying my daughter in my arms, and made soft toys to share with the world and sell to retailers and at exhibitions. In the toughest phase of life, my motivation was my daughter. I didn't want to leave my daughter to fight it out alone in this society and wanted to live for her.

Farida in the 90s.

Twenty days after her diagnosis, she mustered the courage to confront her battle head-on, opting for a successful mastectomy, followed by a rigorous course of chemotherapy. Just as she thought she could finally put the medical crisis behind her, her cancer relapsed only two months later. To make matters worse, this recurrence was followed by the devastating news of her sister losing her battle to the same disease.

Farida faced a challenging period, as her world seemed to fall apart. Nevertheless, driven by her love for her grieving family and her young children, she pressed on with her treatment, regularly enduring chemotherapy and medications. Farida’s indomitable spirit carried her through a five-year battle with cancer. Her victory over the disease brought about a profound transformation within her. 

Farida in the 90s.

Twenty days after her diagnosis, she mustered the courage to confront her battle head-on, opting for a successful mastectomy, followed by a rigorous course of chemotherapy. Just as she thought she could finally put the medical crisis behind her, her cancer relapsed only two months later. To make matters worse, this recurrence was followed by the devastating news of her sister losing her battle to the same disease.

Farida faced a challenging period, as her world seemed to fall apart. Nevertheless, driven by her love for her grieving family and her young children, she pressed on with her treatment, regularly enduring chemotherapy and medications. Farida’s indomitable spirit carried her through a five-year battle with cancer. Her victory over the disease brought about a profound transformation within her. 

When I had cancer and was on the verge of losing my life, I wondered why I came into this world? If I lose my life today, what is my contribution to society? It gave me an insight. I decided to take care of myself and give priority to myself. I decided that I was not going to waste my life. I studied again. I did my MS in counselling. I did many things after cancer that I would not have done otherwise. Cancer was the catalyst that brought out my inner potential. It was a gifted life for me.

When I had cancer and was on the verge of losing my life, I wondered why I came into this world? If I lose my life today, what is my contribution to society? It gave me an insight. I decided to take care of myself and give priority to myself. I decided that I was not going to waste my life. I studied again. I did my MS in counselling. I did many things after cancer that I would not have done otherwise. Cancer was the catalyst that brought out my inner potential. It was a gifted life for me.

Farida with a student at her school, My Giggle Garden.

Her long struggle had also kindled a fire deep within her being, igniting a passion to create a more compassionate world for children like her own and leading her to embark on an extraordinary mission

Driven by her daughter’s uniqueness and motivated to make the world a better place for kids like her, Farida set out to establish a school where every child, regardless of their abilities, would find acceptance and support. For every eight students enrolled, one child with special needs would be welcomed into the fold. The vision was elegantly simple, yet powerful – to foster an inclusive society where each child is treated with respect and equality.

Farida with a student at her school, My Giggle Garden.

Her long struggle had also kindled a fire deep within her being, igniting a passion to create a more compassionate world for children like her own and leading her to embark on an extraordinary mission

Driven by her daughter’s uniqueness and motivated to make the world a better place for kids like her, Farida set out to establish a school where every child, regardless of their abilities, would find acceptance and support. For every eight students enrolled, one child with special needs would be welcomed into the fold. The vision was elegantly simple, yet powerful – to foster an inclusive society where each child is treated with respect and equality.

I made sure I raised my daughter with a lot of dignity and attitude even though I was going through cancer, but I saw a lack of understanding in people while dealing with special kids in society. I decided to start a school where kids with special needs could learn from their peers and gain the confidence to mingle. At the same time, other kids could also learn to respect and treat those differently abled as equals.

I made sure I raised my daughter with a lot of dignity and attitude even though I was going through cancer, but I saw a lack of understanding in people while dealing with special kids in society. I decided to start a school where kids with special needs could learn from their peers and gain the confidence to mingle. At the same time, other kids could also learn to respect and treat those differently abled as equals.

Farida with her students at her school, My Giggle Garden.

With a background in counseling and content writing, Farida put her life savings on the line to bring her dream to fruition. However, as expected with any pioneering endeavor, resistance presented itself. Several parents withdrew their support when children with special needs joined the school, resulting in a sharp decline in admissions. But Farida was determined to keep fighting for her vision to become a reality. She had invested not only her savings but also her heart and soul into it and she was adamant on fighting for it, just as she had conquered cancer.

In 2017, Farida’s vision blossomed into a safe haven where children can learn, and grow, guided by the principles of inclusivity and understanding. ‘My Giggle Garden’ provides comprehensive childcare services that cater to the unique needs of children, offering a secure and stimulating environment where they can flourish. For the children enrolled here, this daycare has become a cherished home filled with laughter and friends, symbolic of Farida’s enduring spirit and her commitment to making a positive impact on their lives.

Over the past two decades, Farida’s journey has been one of self-reflection and gratitude. She cherishes each day as a precious gift, having learned not to take life’s most significant and beautiful aspects for granted. Her powerful will to overcome adversity is a shining example of the rewards that await on the other side of the struggle. 

Farida with her students at her school, My Giggle Garden.

With a background in counseling and content writing, Farida put her life savings on the line to bring her dream to fruition. However, as expected with any pioneering endeavor, resistance presented itself. Several parents withdrew their support when children with special needs joined the school, resulting in a sharp decline in admissions. But Farida was determined to keep fighting for her vision to become a reality. She had invested not only her savings but also her heart and soul into it and she was adamant on fighting for it, just as she had conquered cancer.

In 2017, Farida’s vision blossomed into a safe haven where children can learn, and grow, guided by the principles of inclusivity and understanding. ‘My Giggle Garden’ provides comprehensive childcare services that cater to the unique needs of children, offering a secure and stimulating environment where they can flourish. For the children enrolled here, this daycare has become a cherished home filled with laughter and friends, symbolic of Farida’s enduring spirit and her commitment to making a positive impact on their lives.

Over the past two decades, Farida’s journey has been one of self-reflection and gratitude. She cherishes each day as a precious gift, having learned not to take life’s most significant and beautiful aspects for granted. Her powerful will to overcome adversity is a shining example of the rewards that await on the other side of the struggle. 

Farida with her son, Rayyan.

Today, as she watches her children grow, Farida finds immense pride and happiness in her survival, serving as an inspiring reminder that life’s greatest joys are worth the fight.

Believe in luck but do not depend on it. I had cancer, but I never allowed cancer to have me.

Farida with her son, Rayyan.

Today, as she watches her children grow, Farida finds immense pride and happiness in her survival, serving as an inspiring reminder that life’s greatest joys are worth the fight.

Believe in luck but do not depend on it. I had cancer, but I never allowed cancer to have me.

Share this story with someone who could benefit from this advice or inspiration, especially if they are going through a similar situation.

Share this story with someone who could benefit from this advice or inspiration, especially if they are going through a similar situation.

Written by:

Anoushka Pinto

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.


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.


Decoding Breast Cancer: Breaking Down Treatment Options and Financial Considerations​

BREAST CANCER AWARENESS MONTH

Decoding Breast Cancer:
Breaking Down Treatment Options and Financial Considerations

Written by:

Utkarsh Bagri

Breast cancer is a widespread global challenge for millions of women, and men alike. In a country where healthcare resources vary widely, understanding the nuances of breast cancer is vital for empowering individuals with knowledge and facilitating timely intervention and support.


This article provides an overview of the various treatment options available to individuals facing this diagnosis and the average costs associated. From surgery to cutting-edge therapies, we’ll delve into the diverse array of approaches that play a vital role in the fight against breast cancer.

Surgery

This pivotal treatment modality plays a central role in the management of breast cancer, encompassing a range of procedures that aim to remove cancerous tissue.

Average cost in India

  • Mastectomy ₹75,000 - ₹2L
  • Lumptectomy ₹1L to ₹2.5L

A mastectomy involves the complete removal of one or both breasts.

Unilateral mastectomy

Removes one breast, usually for localized cancer or when the patient desires breast preservation on the other side.

Bilateral mastectomy

Removes both breasts, often for a higher cancer risk or due to a family history of breast cancer.

A lumpectomy, also known as breast-conserving surgery, is often a less invasive option for early-stage breast cancer. During a lumpectomy, the surgeon removes only the tumor and a small area of surrounding healthy tissue, leaving most of the breast intact.

Radiation therapy

Average cost in India

  • Internal radiation ₹60,000 - ₹5.2L
  • External radiation ₹40,000 - ₹20L

Radiation therapy employs high-energy X-rays to target and destroy cancer cells.

Chemotherapy

Average cost in India

  • Chemotherapy ₹1L - ₹4L

Chemotherapy involves the use of drugs that circulate throughout the body to destroy cancer cells or prevent their growth.

Hormone therapy

Average cost in India

  • Hormone therapy ₹20,000 - ₹50,000

This treatment is usually used for cancers that are hormone receptor-positive, meaning they respond to hormones.

Medication

Medications are crucial in halting the growth of cancer cells, shrinking tumors, and preventing the disease from spreading.

Average cost in India

  • Tamoxifen (1 strip, 20MG) ₹21- ₹30

  • Toremifene (30 tablets) ₹86,426

    Amazon Pharmacy​

Tamoxifen is used to reduce the risk of breast cancer in high-risk women and improve survival rates in those with early-stage, hormone receptor-positive breast cancer.

Similar to tamoxifen, toremifene works by blocking the effects of estrogen on breast cancer cells.

Targeted Drug Therapy

Targeted drug therapy hone in on the specific proteins within cancer cells that drive their growth, spread, and longevity. These drugs are administered into the bloodstream and can travel throughout the entire body, which renders them especially effective in dealing with cancers that have advanced and spread to distant parts of the body.

 

Targeted drug therapy offers a more precise and less generalized approach to breast cancer treatment, thereby minimizing side effects and maximizing the chances of success, especially in late-stage and metastatic cases.

Average cost in India

  • Trastuzumab (per 440MG vial) ₹15,749
  • Herceptin Hylecta (5 ML) ​ ₹4.09L
  • Pertuzumab (per 420MG vial) ₹2.2L

    Tata1mg

  • Phesgo (per 1200/600MG vial) ₹4.5L - ₹5L

    Tata1mg, PharmEasy

Monoclonal Antibodies work through various mechanisms, not only attacking cancer cells directly but also enhancing the immune system’s response. They’re trained to lock onto specific parts of breast cancer cells. Once attached, they work to put the brakes on the cancer cells, preventing them from growing and spreading.

Trastuzumab (Herceptin)

Herceptin is often used to treat two main stages of breast cancer: the early stage and the advanced stage. Typically, doctors pair it with chemotherapy for a one-two punch against cancer. In some situations, it can also go solo. Herceptin is usually given through an IV, which means it’s slowly dripped into your veins.

Herceptin Hylecta

Herceptin Hylecta is like a more convenient version of Herceptin. Instead of going through an IV, it’s given as a shot just under your skin. It’s a quicker process and can make the treatment experience a bit more comfortable.

Pertuzumab (Perjeta)

Pertuzumab (Perjeta) is often used alongside Herceptin and chemotherapy. It’s like forming a powerful trio to tackle cancer. Like Herceptin, it’s given through an IV.

Phesgo

Phesgo is like a combination of Herceptin and Pertuzumab in one shot under the skin. It's a bit like getting two superheroes in one injection to combat the cancer.

Please note: These are estimated costs of treatment at most private hospitals in the country. The costs may vary based on region, severity of disease and mode of treatment. 

 

P.S. This article is for information purposes only and don’t replace professional medical guidance. Health decisions should be made in consultation with qualified medical experts who can provide personalized advice based on individual circumstances and needs. 

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.


Sikkim Flash Floods: Donate To Help

Together for Sikkim

Help Sikkim Rise
Above The Floods

Sikkim, the land of breathtaking landscapes and warm-hearted people, is facing a crisis. Devastating floods triggered by the outburst of the South Lhonak River have left homes destroyed, families displaced, and communities in distress. The people of Sikkim need our support to rebuild their lives and restore hope.

What's happening in Sikkim?

Cascade effect

Glacial lake outburst caused flash floods in the Teesta River basin, primarily affecting Singtam in East Sikkim.

Transportation challenges

Critical road links to Sikkim, especially from Siliguri, West Bengal, washed away, hampering supply distribution.

Isolation

Northern Sikkim cut off due to major bridge destruction, hindering transportation of goods and people.

Communication breakdown

Severely impacted areas lack network connectivity, worsening communication issues.

Loss of homes

Citizens evacuated abruptly on Oct 4, 2023, with minimal belongings, leaving homes behind.

While the figures may seem relatively low, considering Sikkim's smaller population, the extent of devastation is staggering.

How you can help

At our core, we believe in the power of collective compassion. The recent floods in Sikkim have brought about unimaginable challenges for its communities. Your donation today can be a lifeline for families struggling to recover from this disaster.

Sikkim Flood
Relief Fund

This fundraiser is dedicated to providing food, clean water, medical assistance and other basic necessities to the flood victims seeking shelter at temporary relief camps.

Help Beautiful Sikkim Rise Above The Deluge

Donations from this fundraiser will be split: 50% for CMRF or registered NGOs via OffbeatSikkim, and 50% for essential supplies like rice, oil, salt, and more for flood victims.

Sikkim: Support Our Effort To Clear Sludge And Slurry

Contributing to this fundraiser will help hire local labour at minimum wage rates to clear sludge, manage health risks, and honour the deceased as well as equipment and safety gear provision.

Fundraiser For
Sikkim Relief

This fundraiser is dedicated to providing support for individuals engaged in vital rehabilitation efforts. All contributions will be channeled to reputable NGOs actively involved in rehabilitation work.

Together, we can make a significant impact on the lives of those struggling in the aftermath of these devastating floods.

Share these causes on social media and encourage your friends and family to join in this collective effort.

Together for Sikkim

Help Sikkim Rise
Above The Floods

Sikkim, the land of breathtaking landscapes and warm-hearted people, is facing a crisis. Devastating floods triggered by the outburst of the South Lhonak River have left homes destroyed, families displaced, and communities in distress. The people of Sikkim need our support to rebuild their lives and restore hope.

What's happening in Sikkim?

Cascade effect

Glacial lake outburst caused flash floods in the Teesta River basin, primarily affecting Singtam in East Sikkim.

Transportation challenges

Critical road links to Sikkim, especially from Siliguri, West Bengal, washed away, hampering supply distribution.

Isolation

Northern Sikkim cut off due to major bridge destruction, hindering transportation of goods and people.

Communication breakdown

Severely impacted areas lack network connectivity, worsening communication issues.

Loss of homes

Critical road links to Sikkim, especially from Siliguri, West Bengal, washed away, hampering supply distribution.

While the figures may seem relatively low, considering Sikkim's smaller population, the extent of devastation is staggering.

How you can help

At our core, we believe in the power of collective compassion. The recent floods in Sikkim have brought about unimaginable challenges for its communities. Your donation today can be a lifeline for families struggling to recover from this disaster.