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5 Government-Sponsored Schemes For Cancer Patients in Karnataka

5 Government-Sponsored Schemes For Cancer Patients in Karnataka

5 Government-Sponsored Schemes For Cancer Patients in Karnataka​

In the event of a medical emergency, the government can provide support in the form of financial assistance or other schemes.

In the event of a medical emergency, the government can provide support in the form of financial assistance or other schemes. ​

Published on: 26 January, 2023

Published on: 26 January, 2023

A cancer diagnosis can be a life-altering event that comes with a host of overwhelming emotional, mental, and financial challenges. Patients and their families struggle with feelings of uncertainty about treatment costs, which can be difficult to manage due to the complexity of medical bills and insurance coverage. In the event of a medical emergency, the government can provide support in the form of financial assistance or other schemes.

 

Here are 5 government schemes offered by the state of Karnataka to provide treatment aid to cancer patients:

 

 

 

 

1) Karnataka Chief Minister’s Relief Fund (KCMRF)

 

The KCMMRF grants financial assistance to patients below poverty line suffering from life-threatening ailments to receive treatment in any of the enlisted government hospitals, or non-enlisted hospitals of national repute in the state of Karnataka.

 

  • KCMMRF runs on public contributions and does not receive any budgetary support
  • Patients are entitled to receive a maximum of INR 1 lakh for cancer treatment
  • Funds are allocated on the approval of the Chief Minister
  • A patient can apply for financial assistance for relief before treatment, or relief after treatment
  • To apply, the applicant will be required to produce a duly completed and signed application form, passport-size photo of patient, BPL card, EPIC and Aadhar card, original final hospital bill and discharge summary or estimation summary
  • A patient is not eligible for financial assistance under KCMMRF, if 
    • Their family is covered under Employees’ State Insurance Scheme (ESI), Central Government Health Scheme (CGHS) or any similar existing health-related scheme with provisions for reimbursements
    • The disease is of common nature with inexpensive treatments

 

Read more about KCMRF, here.

 

 

 

 

2) Ayushman Bharat – Arogya Karnataka Scheme (AB-ARK)

 

AB-ARK extends financial protection to patients living below poverty line that suffer from critical illnesses, to access primary, specified secondary and tertiary healthcare benefits at any of the enlisted hospitals within the state of Karnataka.

 

  • Patients are classified as ‘Eligible Patients’ and ‘General Patients’ as defined under the National Food Security Act, 2013
  • Eligible Patients are entitled to receive family-floater coverage of up to INR 5 lakhs, per year for cancer treatment, while General Patients are entitled to receive coverage of up to INR 1.5 lakh per year, on a co-payment basis
  • To apply, the applicant will be required to produce their Aadhar card and ration card
  • A patient is not eligible for financial assistance under AB-ARK, if 
    • They are covered under Employees’ State Insurance Scheme (ESI) and Central Government Health Scheme (CGHS) 
    • They are covered under the health insurance schemes of their employers
    • They have taken private health policies on their own

 

Read more about AB-ARK, here.

 

 

 

3) Vajpayee Arogyashree (VA)

 

The VA insurance scheme was designed for patients below the poverty line suffering from critical illnesses, to increase their access to quality tertiary health care including hospitalisation, therapy and surgery, at any of the 10 empanelled hospitals in Karnataka.

 

    • All costs are incurred by the state government
    • People of all ages are eligible to apply for this scheme
    • Provides family-floater coverage, i.e 5 members in a family can receive up to a sum of INR 1.5 lakh annually for cancer treatment, on exhaustion of which, a further INR 50,000 is provided
    • To apply, the applicant will be required to produce a self-declaration form, along with their Aadhar card, BPL card and PDS card

 

Read more about VA, here.

 

 

 

 

4) Rajiv Arogya Bhagya (RAB)

 

RAB is a state-sponsored health insurance scheme for patients living above poverty line and suffering from life-threatening conditions, to avail affordable and accessible tertiary treatment at any of the enlisted hospitals in Karnataka. 

 

  • Patient must be a legal resident of the State of Karnataka
  • Patients can avail medical treatment at government and private hospitals
  • As there is no predetermined income bar, both APL and BPL patients can apply for this scheme
  • Patients who fall under Category A, i.e farmers labourers of unorganised sector, deprived households, SC/ST people, and Government employees, members of cooperatives societies, media person and representatives, need not pay a premium
  • Whereas patients not included in Category A fall under Category B and have to pay a premium of INR 300, if hailing from rural areas, and INR 700 if failing from urban areas
  • Category A patients can avail cashless treatment, while Category B patients can claim 30% reimbursement from the government
  • To apply, the applicant will be required to produce ID proof, ration card, Aadhar card, PDS card and residential proof

 

Read more about RAB, here

 

 

 

 

5) Jyothi Sanjeevini Scheme (JSS)

 

JSS is an insurance plan implemented by the Government of Karnataka that offers cashless medical aid to employees of the state government and their families, at any of the empanelled hospitals

 

  • The scheme provides of an annual cover of INR 1.5L per year for serious illnesses requiring tertiary treatments
  • The government employee has to manage 30% of the final medical charges carried out in the general ward, while the government takes care of the remaining 70% 
  • The government covers for 50% of the final medical charges carried out in a super-specialty ward
  • To apply, the applicant will be required to produce a declaration form with details of the family members’ income certificate, passport-size photograph, ration card, Aadhar card, and residential certificate. 
  • A patient is not eligible for financial assistance under JSS, if they have applied for any other government health insurance scheme in India

 

Read more about JSS, here.

 

 

 

 

Other:  Health Minister’s Cancer Patients Fund (HMCPF)


The Health Minister’s Cancer Patients Fund, a component of the umbrella scheme of Rashtriya Arogya Nidhi (RAN), provides financial assistance to patients below poverty line suffering from cancer and undergoing treatment at Karnataka’s  Kidwai Memorial Institute of Oncology Cancer Research and Training Centre.

 

  • Each cancer patient can receive a one-time grant of INR 2 lakh, up to INR 5 lakh depending on urgency
  • There is no reimbursement for expenditure already incurred
  • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
  • A patient is not eligible for financial assistance under HMCPF, if:
    • Their family is covered under Pradhan Mantri Jan Arogya Yojana (PMJAY)
    • They or their family member is a government servant
    • They are receiving treatment in a private hospital

 

Read more about HMCPF, here.

 

A cancer diagnosis can be a life-altering event that comes with a host of overwhelming emotional, mental, and financial challenges. Patients and their families struggle with feelings of uncertainty about treatment costs, which can be difficult to manage due to the complexity of medical bills and insurance coverage. In the event of a medical emergency, the government can provide support in the form of financial assistance or other schemes.

 

Here are 5 government schemes offered by the state of Karnataka to provide treatment aid to cancer patients:

 

 

 

 

1) Karnataka Chief Minister’s Relief Fund (KCMRF)

 

The KCMMRF grants financial assistance to patients below poverty line suffering from life-threatening ailments to receive treatment in any of the enlisted government hospitals, or non-enlisted hospitals of national repute in the state of Karnataka.

 

  • KCMMRF runs on public contributions and does not receive any budgetary support
  • Patients are entitled to receive a maximum of INR 1 lakh for cancer treatment
  • Funds are allocated on the approval of the Chief Minister
  • A patient can apply for financial assistance for relief before treatment, or relief after treatment
  • To apply, the applicant will be required to produce a duly completed and signed application form, passport-size photo of patient, BPL card, EPIC and Aadhar card, original final hospital bill and discharge summary or estimation summary
  • A patient is not eligible for financial assistance under KCMMRF, if 
    • Their family is covered under Employees’ State Insurance Scheme (ESI), Central Government Health Scheme (CGHS) or any similar existing health-related scheme with provisions for reimbursements
    • The disease is of common nature with inexpensive treatments

 

Read more about KCMRF, here.

 

 

 

 

2) Ayushman Bharat – Arogya Karnataka Scheme (AB-ARK)

 

AB-ARK extends financial protection to patients living below poverty line that suffer from critical illnesses, to access primary, specified secondary and tertiary healthcare benefits at any of the enlisted hospitals within the state of Karnataka.

 

  • Patients are classified as ‘Eligible Patients’ and ‘General Patients’ as defined under the National Food Security Act, 2013
  • Eligible Patients are entitled to receive family-floater coverage of up to INR 5 lakhs, per year for cancer treatment, while General Patients are entitled to receive coverage of up to INR 1.5 lakh per year, on a co-payment basis
  • To apply, the applicant will be required to produce their Aadhar card and ration card
  • A patient is not eligible for financial assistance under AB-ARK, if 
    • They are covered under Employees’ State Insurance Scheme (ESI) and Central Government Health Scheme (CGHS) 
    • They are covered under the health insurance schemes of their employers
    • They have taken private health policies on their own

 

Read more about AB-ARK, here.

 

 

 

 

3) Vajpayee Arogyashree (VA)

 

The VA insurance scheme was designed for patients below the poverty line suffering from critical illnesses, to increase their access to quality tertiary health care including hospitalisation, therapy and surgery, at any of the 10 empanelled hospitals in Karnataka.

 

    • All costs are incurred by the state government
    • People of all ages are eligible to apply for this scheme
    • Provides family-floater coverage, i.e 5 members in a family can receive up to a sum of INR 1.5 lakh annually for cancer treatment, on exhaustion of which, a further INR 50,000 is provided
    • To apply, the applicant will be required to produce a self-declaration form, along with their Aadhar card, BPL card and PDS card

 

Read more about VA, here.

 

 

 

 

4) Rajiv Arogya Bhagya (RAB)

 

RAB is a state-sponsored health insurance scheme for patients living above poverty line and suffering from life-threatening conditions, to avail affordable and accessible tertiary treatment at any of the enlisted hospitals in Karnataka. 

 

  • Patient must be a legal resident of the State of Karnataka
  • Patients can avail medical treatment at government and private hospitals
  • As there is no predetermined income bar, both APL and BPL patients can apply for this scheme
  • Patients who fall under Category A, i.e farmers labourers of unorganised sector, deprived households, SC/ST people, and Government employees, members of cooperatives societies, media person and representatives, need not pay a premium
  • Whereas patients not included in Category A fall under Category B and have to pay a premium of INR 300, if hailing from rural areas, and INR 700 if failing from urban areas
  • Category A patients can avail cashless treatment, while Category B patients can claim 30% reimbursement from the government
  • To apply, the applicant will be required to produce ID proof, ration card, Aadhar card, PDS card and residential proof

 

Read more about RAB, here

 

 

 

 

5) Jyothi Sanjeevini Scheme (JSS)

 

JSS is an insurance plan implemented by the Government of Karnataka that offers cashless medical aid to employees of the state government and their families, at any of the empanelled hospitals

 

  • The scheme provides of an annual cover of INR 1.5L per year for serious illnesses requiring tertiary treatments
  • The government employee has to manage 30% of the final medical charges carried out in the general ward, while the government takes care of the remaining 70% 
  • The government covers for 50% of the final medical charges carried out in a super-specialty ward
  • To apply, the applicant will be required to produce a declaration form with details of the family members’ income certificate, passport-size photograph, ration card, Aadhar card, and residential certificate. 
  • A patient is not eligible for financial assistance under JSS, if they have applied for any other government health insurance scheme in India

 

Read more about JSS, here.

 

 

 

 

Other:  Health Minister’s Cancer Patients Fund (HMCPF)


The Health Minister’s Cancer Patients Fund, a component of the umbrella scheme of Rashtriya Arogya Nidhi (RAN), provides financial assistance to patients below poverty line suffering from cancer and undergoing treatment at Karnataka’s  Kidwai Memorial Institute of Oncology Cancer Research and Training Centre.

 

  • Each cancer patient can receive a one-time grant of INR 2 lakh, up to INR 5 lakh depending on urgency
  • There is no reimbursement for expenditure already incurred
  • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
  • A patient is not eligible for financial assistance under HMCPF, if:
    • Their family is covered under Pradhan Mantri Jan Arogya Yojana (PMJAY)
    • They or their family member is a government servant
    • They are receiving treatment in a private hospital

 

Read more about HMCPF, here.

 

If you find that you are not eligible to benefit from any of the above mentioned schemes, medical crowdfunding is also an option that is available to you. 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.

 

Simply visit www.milaap.org or request for a call to get started now.

 

For more information, write to us at cx@milaap.org.

Written by

Anoushka Pinto


Written by:

Anoushka Pinto

Financial Support Options For Life-Threatening Diseases: 4 National Schemes To Know

Financial Support Options For Life-Threatening Diseases: 4 National Schemes To Know​

Financial Support Options For Life-Threatening Diseases: 4 National Schemes To Know​​

In medical emergencies, the government can help you out. There are various government schemes and funding options available so you can access the help you need when facing medical crises.

In medical emergencies, the government can help you out. There are various government schemes and funding options available so you can access the help you need when facing medical crises.

Published on: 23 January, 2023

Published on: 23 January, 2023

A diagnosis for a life-threatening disease can be financially and emotionally devastating for families. General health insurance may cover only so much, and other comprehensive plans do not cover expenses for the entire treatment. In such medical emergencies, the government has multiple schemes and funding options in place that provide financial aid on an ad-hoc basis, to help those affected.

 

Here are 4 national schemes that provide treatment aid to patients with life-threatening diseases, regardless of their age or location:

 

 1) Prime Minister’s National Relief Fund (PMNRF)

The Prime Minister’s National Relief Fund provides financial aid to underprivileged patients suffering from major life-threatening diseases, to cover part of their treatment costs and enable them to receive treatment at any government/PMNRF enlisted hospitals.

 

  • PMNRF runs on public contributions and does not receive any budgetary support
  • Funds are allocated on the approval of the Prime Minister

  • To apply, the applicant will be required to produce a duly completed and signed application form addressed to the Prime Minister, copy of income certificate, copy of ration card, two passport-size photographs of the patient, original medical certificate clearly stating the type of disease, and cost estimate of treatment

 

Read more about PMNRF, here.

 2) Rashtriya Arogya Nidhi (RAN)

 

Under the umbrella scheme of Rashtriya Arogya Nidhi, patients living below poverty line and suffering from major life-threatening diseases can avail financial aid and receive medical treatment at any of the 13 enlisted super specialty government hospitals or institutes.

 

  • Patients receive a one-time grant of INR 2 lakh (up to INR 5 lakh depending on urgency)
  • There is no reimbursement for expenditure already incurred
  • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
  • A patient is not eligible for financial assistance under RAN, if
    • Their family is covered under Pradhan Mantri Jan Arogya Yojana (PMJAY)
    • They or their family member is a government servant
    • They are receiving treatment in a private hospital


Read more about the umbrella scheme of RAN, here.

 3) Health Minister’s Cancer Patients Fund (HMCPF)

 

The Health Minister’s Cancer Patients Fund, a component of the umbrella scheme of RAN, provides financial assistance to patients below poverty line suffering from cancer and undergoing treatment in any of the 27 enlisted regional cancer centres.

 

  • Each cancer patient can receive a one-time grant of INR 2 lakh, up to INR 5 lakh depending on urgency
  • There is no reimbursement for expenditure already incurred
  • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
  • A patient is not eligible for financial assistance under HMCPF, if:
    • Their family is covered under Pradhan Mantri Jan Arogya Yojana (PMJAY)
    • They or their family member is a government servant
    • They are receiving treatment in a private hospital

 

Read more about HMCPF, here.

4) Health Minister’s Discretionary Grant (HMDG)

 

Health Minister’s Discretionary Grant is another component of the umbrella scheme of RAN, providing up to INR 1.25 lakhs to poor and underprivileged patients suffering from rare illnesses, whose annual income is INR 1.25 lakhs or less, to settle a part of the medical expenditure incurred in government hospitals or institutes. 

 

  • Reimbursement of expenditure already incurred is not authorised 
  • Prolonged treatment involving recurring expenditure is not permissible
  • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
  • A patient is not eligible for financial assistance under HMDG, if:
    • The disease is of common nature with inexpensive treatments
    • They or their family member is a government servant
    • They are receiving treatment in a private hospital

 

Read more about HMDG and find the complete list of diseases/treatments and hospitals, here.

 

A diagnosis for a life-threatening disease can be financially and emotionally devastating for families. General health insurance may cover only so much, and other comprehensive plans do not cover expenses for the entire treatment. In such medical emergencies, the government has multiple schemes and funding options in place that provide financial aid on an ad-hoc basis, to help those affected.

 

Here are 4 national schemes that provide treatment aid to patients with life-threatening diseases, regardless of their age or location:

 

 1) Prime Minister’s National Relief Fund (PMNRF)

The Prime Minister’s National Relief Fund provides financial aid to underprivileged patients suffering from major life-threatening diseases, to cover part of their treatment costs and enable them to receive treatment at any government/PMNRF enlisted hospitals.

 

  • PMNRF runs on public contributions and does not receive any budgetary support
  • Funds are allocated on the approval of the Prime Minister

  • To apply, the applicant will be required to produce a duly completed and signed application form addressed to the Prime Minister, copy of income certificate, copy of ration card, two passport-size photographs of the patient, original medical certificate clearly stating the type of disease, and cost estimate of treatment

 

Read more about PMNRF, here.

 2) Rashtriya Arogya Nidhi (RAN)

 

Under the umbrella scheme of Rashtriya Arogya Nidhi, patients living below poverty line and suffering from major life-threatening diseases can avail financial aid and receive medical treatment at any of the 13 enlisted super specialty government hospitals or institutes.

 

  • Patients receive a one-time grant of INR 2 lakh (up to INR 5 lakh depending on urgency)
  • There is no reimbursement for expenditure already incurred
  • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
  • A patient is not eligible for financial assistance under RAN, if
    • Their family is covered under Pradhan Mantri Jan Arogya Yojana (PMJAY)
    • They or their family member is a government servant
    • They are receiving treatment in a private hospital


Read more about the umbrella scheme of RAN, here.

 3) Health Minister’s Cancer Patients Fund (HMCPF)

 

The Health Minister’s Cancer Patients Fund, a component of the umbrella scheme of RAN, provides financial assistance to patients below poverty line suffering from cancer and undergoing treatment in any of the 27 enlisted regional cancer centres.

 

  • Each cancer patient can receive a one-time grant of INR 2 lakh, up to INR 5 lakh depending on urgency
  • There is no reimbursement for expenditure already incurred
  • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
  • A patient is not eligible for financial assistance under HMCPF, if:
    • Their family is covered under Pradhan Mantri Jan Arogya Yojana (PMJAY)
    • They or their family member is a government servant
    • They are receiving treatment in a private hospital

 

Read more about HMCPF, here.

4) Health Minister’s Discretionary Grant (HMDG)

 

Health Minister’s Discretionary Grant is another component of the umbrella scheme of RAN, providing up to INR 1.25 lakhs to poor and underprivileged patients suffering from rare illnesses, whose annual income is INR 1.25 lakhs or less, to settle a part of the medical expenditure incurred in government hospitals or institutes. 

 

  • Reimbursement of expenditure already incurred is not authorised 
  • Prolonged treatment involving recurring expenditure is not permissible
  • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
  • A patient is not eligible for financial assistance under HMDG, if:
    • The disease is of common nature with inexpensive treatments
    • They or their family member is a government servant
    • They are receiving treatment in a private hospital

 

Read more about HMDG and find the complete list of diseases/treatments and hospitals, here.

 

If you find that you are not eligible to benefit from any of the above mentioned schemes, medical crowdfunding is also an option that is available to you. 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.

 

Simply visit www.milaap.org or call us on +91 9916174848 to get started now.

 

For more information, write to us at cx@milaap.org.

Written by:

Anoushka Pinto


Written by:

Anoushka Pinto

Milaap Article template

4 National Financial Support Schemes Available To Patients With Life-Threatening Diseases

4 National Financial Support Schemes Available To Patients With Life-Threatening Diseases

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Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.

Published on: 20 January 2023

Published on: 20 January 2023

A diagnosis for a life-threatening disease can be financially and emotionally devastating for families. General health insurance may cover only so much, and other comprehensive plans do not cover expenses for the entire treatment. In such medical emergencies, the government has multiple schemes and funding options in place that provide financial aid on an ad-hoc basis, to help those affected.

 

Here are 4 national schemes that provide treatment aid to patients with life-threatening diseases, regardless of their age or location.

  1. Prime Minister’s The Prime Minister’s National Relief Fund provides financial aid to underprivileged patients suffering from major life-threatening diseases, to cover part of their treatment costs and enable them to receive treatment at any government/PMNRF enlisted hospitals
    • PMNRF runs on public contributions and does not receive any budgetary support
    • Funds are allocated on the approval of the Prime Minister
    • To apply, the applicant will be required to produce a duly completed and signed application form addressed to the Prime Minister, copy of income certificate, copy of ration card, two passport-size photographs of the patient, original medical certificate clearly stating the type of disease, and cost estimate of treatment

      Read more about PMNRF, here.

  2. Rashtriya Arogya Nidhi (RAN)
    Under the umbrella scheme of Rashtriya Arogya Nidhi, patients living below poverty line and suffering from major life-threatening diseases can avail financial aid and receive medical treatment at any of the 13 enlisted super specialty government hospitals or institutes.
    • Patients receive a one-time grant of INR 2 lakh (up to INR 5 lakh depending on urgency)
    • There is no reimbursement for expenditure already incurred
    • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
    • A patient is not eligible for financial assistance under RAN, if
      • Their family is covered under Pradhan Mantri Jan Arogya Yojana (PMJAY)
      • They or their family member is a government servant
      • They are receiving treatment in a private hospital
        Find the complete list of disease/treatments and hospitals where revolving funds are set up under the umbrella scheme of RAN, here.

         

  3. Health Minister’s Cancer Patients Fund (HMCPF)
    The Health Minister’s Cancer Patients Fund, a component of the umbrella scheme of RAN, provides financial assistance to patients below poverty line suffering from cancer and undergoing treatment in any of the 27 enlisted regional cancer centres.
    • Each cancer patient can receive a one-time grant of INR 2 lakh, up to INR 5 lakh depending on urgency
    • There is no reimbursement for expenditure already incurred
    • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
    • A patient is not eligible for financial assistance under HMCPF, if:
      • Their family is covered under Pradhan Mantri Jan Arogya Yojana (PMJAY)
      • They or their family member is a government servant
      • They are receiving treatment in a private hospital
        Read more and find the complete list of hospitals and cancer centres where revolving funds are set up under HMCPF, here.

         

  4. Health Minister’s Discretionary Grant (HMDG)

    Health Minister’s Discretionary Grant is another component of the umbrella scheme of RAN, providing up to INR 1.25 lakhs to poor and underprivileged patients suffering from rare illnesses, whose annual income is INR 1.25 lakhs or less, to settle a part of the medical expenditure incurred in government hospitals or institutes. 

    • Reimbursement of expenditure already incurred is not authorised 
    • Prolonged treatment involving recurring expenditure is not permissible
    • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
    • A patient is not eligible for financial assistance under HMDG, if:
      • The disease is of common nature with inexpensive treatments
      • They or their family member is a government servant
      • They are receiving treatment in a private hospital
        Read more and find the complete list of diseases/treatments and hospitals where revolving funds are set up under HMDG, here.

A diagnosis for a life-threatening disease can be financially and emotionally devastating for families. General health insurance may cover only so much, and other comprehensive plans do not cover expenses for the entire treatment. In such medical emergencies, the government has multiple schemes and funding options in place that provide financial aid on an ad-hoc basis, to help those affected.

 

Here are 4 national schemes that provide treatment aid to patients with life-threatening diseases, regardless of their age or location.

  1. Prime Minister’s The Prime Minister’s National Relief Fund provides financial aid to underprivileged patients suffering from major life-threatening diseases, to cover part of their treatment costs and enable them to receive treatment at any government/PMNRF enlisted hospitals
    • PMNRF runs on public contributions and does not receive any budgetary support
    • Funds are allocated on the approval of the Prime Minister
    • To apply, the applicant will be required to produce a duly completed and signed application form addressed to the Prime Minister, copy of income certificate, copy of ration card, two passport-size photographs of the patient, original medical certificate clearly stating the type of disease, and cost estimate of treatment

      Read more about PMNRF, here.

  2. Rashtriya Arogya Nidhi (RAN)
    Under the umbrella scheme of Rashtriya Arogya Nidhi, patients living below poverty line and suffering from major life-threatening diseases can avail financial aid and receive medical treatment at any of the 13 enlisted super specialty government hospitals or institutes.
    • Patients receive a one-time grant of INR 2 lakh (up to INR 5 lakh depending on urgency)
    • There is no reimbursement for expenditure already incurred
    • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
    • A patient is not eligible for financial assistance under RAN, if
      • Their family is covered under Pradhan Mantri Jan Arogya Yojana (PMJAY)
      • They or their family member is a government servant
      • They are receiving treatment in a private hospital
        Find the complete list of disease/treatments and hospitals where revolving funds are set up under the umbrella scheme of RAN, here.

         

  3. Health Minister’s Cancer Patients Fund (HMCPF)
    The Health Minister’s Cancer Patients Fund, a component of the umbrella scheme of RAN, provides financial assistance to patients below poverty line suffering from cancer and undergoing treatment in any of the 27 enlisted regional cancer centres.
    • Each cancer patient can receive a one-time grant of INR 2 lakh, up to INR 5 lakh depending on urgency
    • There is no reimbursement for expenditure already incurred
    • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
    • A patient is not eligible for financial assistance under HMCPF, if:
      • Their family is covered under Pradhan Mantri Jan Arogya Yojana (PMJAY)
      • They or their family member is a government servant
      • They are receiving treatment in a private hospital
        Read more and find the complete list of hospitals and cancer centres where revolving funds are set up under HMCPF, here.

         

  4. Health Minister’s Discretionary Grant (HMDG)

    Health Minister’s Discretionary Grant is another component of the umbrella scheme of RAN, providing up to INR 1.25 lakhs to poor and underprivileged patients suffering from rare illnesses, whose annual income is INR 1.25 lakhs or less, to settle a part of the medical expenditure incurred in government hospitals or institutes. 

    • Reimbursement of expenditure already incurred is not authorised 
    • Prolonged treatment involving recurring expenditure is not permissible
    • To apply, the applicant will be required to produce a duly completed and signed application form, copy of income certificate and copy of ration card
    • A patient is not eligible for financial assistance under HMDG, if:
      • The disease is of common nature with inexpensive treatments
      • They or their family member is a government servant
      • They are receiving treatment in a private hospital
        Read more and find the complete list of diseases/treatments and hospitals where revolving funds are set up under HMDG, here.

Regional Cancer Centres in Maharashtra where you can avail the benefits of this fund:

  1. Tata Memorial Hospital, Mumbai, Maharashtra.
  2. R.S.T. Hospital & Research Centre, Nagpur, Maharashtra


For more information, visit the Maharashtra government’s health portal
here.

Regional Cancer Centres in Maharashtra where you can avail the benefits of this fund:

  1. Tata Memorial Hospital, Mumbai, Maharashtra.
  2. R.S.T. Hospital & Research Centre, Nagpur, Maharashtra


For more information, visit the Maharashtra government’s health portal
here.

If you find that you are not eligible to benefit from any of the above mentioned schemes, medical crowdfunding is also an option that is available to you. 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.

Simply visit www.milaap.org or request for a call to get started now.

For more information, write to us at cx@milaap.org.

Written by;

Anoushka Pinto


Written by;

Anoushka Pinto