
5 Comprehensive National Insurance Schemes That Can Help You In Medical Emergencies

5 Comprehensive National Insurance Schemes That Can Help You In Medical Emergencies
In times of medical emergency, it is difficult to manage the financial aspect of treatment. Thankfully, the Indian Government has a number of schemes in place to provide assistance to those in need.
In times of medical emergency, it is difficult to manage the financial aspect of treatment. Thankfully, the Indian Government has a number of schemes in place to provide assistance to those in need.
Published on: 15 February, 2023
Published on: 15 February, 2023
In times of medical emergencies, it is not uncommon to feel overwhelmed and helpless. Not only do you have to worry about the health of your loved one, but you also have to grapple with the financial implications of such a crisis.
Fortunately, the Indian Government has put in place a number of schemes and initiatives to help those in need. Through these government programs, individuals and families can access financial assistance for medical care and other related costs.
Here are 5 national schemes that provide insurance coverage to patients in times of medical need, regardless of their age or location:
1. Ayushman Bharat (Pradhan Mantri Jan Arogya Yojana – PMJAY) PMJAY is a national public insurance fund that aims to provide free access to health insurance for low-income earners in the country, in both public and enlisted private healthcare facilities.- Benefit cover of INR 5 lakhs is provided per family, per year
- Patients can avail free secondary health care for specialist treatment and tertiary health care for hospitalisation
- Caters to poor families in both rural and urban areas
- Facilitates cashless healthcare services
- Patient can be recompensed for the transportation cost incurred pre and post-hospitalization period
- The scheme also covers medical examination and diagnostic expenditure, pre and post-hospitalisation costs, follow-up treatment expenses, medicine and consumables costs, accommodation fees, and even food services
- To apply, the applicant will be required to get themselves identified at the nearest PM-JAY enlisted hospital or Community Service Centre (CSC) and produce their Aadhaar Card/PAN Card, contact details, caste certificate and income certificate
- To check if your name is on the beneficiary list or that you are eligible for Ayushman Bharat, click here.
- A patient is not eligible for financial assistance under PM-JAY, if
-
- They own a vehicle
- They are a government employee
- Their monthly income exceeds INR 10,000
- They live in a well-constructed house
- They hold a Kisan card
- They own agricultural land of more than 5 acres and farming machinery
- They own a refrigerator and landline connection in their house
-

- The scheme requires beneficiaries covered to be residing in India
- Benefits of the scheme can be availed on family-floater basis
- Covers treatments under allopathy, homoeopathy, and the Indian system of medicine
- Patients can avail cashless facilities at empanelled hospitals / authorised wellness centres through the CGHS card received after registration
- The scheme provides reimbursement on expenses incurred on emergency treatments at government or private hospitals
- It also covers OPD treatment, medication charges and consultation costs at government hospitals or polyclinics and indoor treatment at government or CGHS enlisted hospitals
- To apply:
- A currently serving employee will be required to produce proof of residency, disablement certificate from a valid authority in case a dependent is differently-abled, proof of residency and age of the dependent
-
- A pensioner will be required to produce proof of residency, disablement certificate from a valid authority in case a dependent is differently-abled, proof of residency and age of the dependent, attested copies of PPO/provisional PPO/last pay certificate, Surrender Certificate (if CGHS card was issued during service) and demand draft

- Medical expenses are covered from day one of employment
- The insured person must draw monthly wages of less than INR 21,000 and be employed in a non-seasonal factory with over 10 employees to avail the scheme’s benefits
- The worker is eligible for cash benefits in the case of sickness, disability, maternity, physical rehabilitation, etc.
- The scheme provides maternity benefit of 100% of wages for 12 weeks
- In the event of an employee becoming temporarily or permanently disabled, they are supplied a monthly wage of 90%
- The insured can receive 70% of cash benefits during medical leave for a maximum of 91 days.
- To apply, the employer will be required to produce a registration certificate or licence under the Shops and Establishment Act or Factory Act, partnership deed for partnership firms and Certificate of Registration for Private Limited Companies, list of all workers with their monthly compensation details, address proof and PAN card of all employees as well as the business entity, list of shareholders, partners, and directors of the establishment and employee attendance registers

- Insurance coverage is on family-floater basis
- Insurance companies will help with enrolling in this scheme
- The income must be lesser than the sum insured amount for BPL families and more than the sum insured amount for APL families
- The insured members are reimbursed for medical expenses incurred during hospitalisation for any illness, disease, or injury sustained by them
- Each family is liable to receive INR 30,000 as hospitalisation benefit, which includes maternity benefit
- Minimum claim expenses are limited to INR 15,000 (excluding maternity benefits)
- The insured member or their spouse may receive INR 50 for a maximum of 15 days, in case they are hospitalised due to illness or an accident. This is provided from the 4th day of hospitalisation.
- People aged between 5 and 70 years can avail the benefits of the scheme
- Children aged between 3 months and 5 years old are covered with their parents under the scheme.
- The premium is calculated at INR 365 annually
- Families with 5 members or less have to pay an annual premium of INR 548
- Families with more than 5 but less than 7 members have to pay an annual premium of INR 73
- To apply, a BPL applicant is required to produce certificate providing proof of BPL status from Tehsildar or Block Development Officer of the State Revenue Department

- The scheme provides free and cashless delivery, c-section, treatment, drugs and consumables, diagnostics and diet, provision of blood, transport from home to health institutions, transport between facilities in case of referral, drop back from institutions to home and exemption from all kinds of user charges
- The benefits are extended to all antenatal & postnatal complications of pregnancy
- To apply, an applicant will be required to register at any government health centre and produce an Aadhar card, caste certificate, and Ration card (BPL)

In times of medical emergencies, it is not uncommon to feel overwhelmed and helpless. Not only do you have to worry about the health of your loved one, but you also have to grapple with the financial implications of such a crisis.
Fortunately, the Indian Government has put in place a number of schemes and initiatives to help those in need. Through these government programs, individuals and families can access financial assistance for medical care and other related costs.
Here are 5 national schemes that provide insurance coverage to patients in times of medical need, regardless of their age or location: 1. Ayushman Bharat (Pradhan Mantri Jan Arogya Yojana – PMJAY) PMJAY is a national public insurance fund that aims to provide free access to health insurance for low-income earners in the country, in both public and enlisted private healthcare facilities.- Benefit cover of INR 5 lakhs is provided per family, per year
- Patients can avail free secondary health care for specialist treatment and tertiary health care for hospitalisation
- Caters to poor families in both rural and urban areas
- Facilitates cashless healthcare services
- Patient can be recompensed for the transportation cost incurred pre and post-hospitalization period
- The scheme also covers medical examination and diagnostic expenditure, pre and post-hospitalisation costs, follow-up treatment expenses, medicine and consumables costs, accommodation fees, and even food services
- To apply, the applicant will be required to get themselves identified at the nearest PM-JAY enlisted hospital or Community Service Centre (CSC) and produce their Aadhaar Card/PAN Card, contact details, caste certificate and income certificate
- To check if your name is on the beneficiary list or that you are eligible for Ayushman Bharat, click here.
- A patient is not eligible for financial assistance under PM-JAY, if
-
- They own a vehicle
- They are a government employee
- Their monthly income exceeds INR 10,000
- They live in a well-constructed house
- They hold a Kisan card
- They own agricultural land of more than 5 acres and farming machinery
- They own a refrigerator and landline connection in their house
-

- The scheme requires beneficiaries covered to be residing in India
- Benefits of the scheme can be availed on family-floater basis
- Covers treatments under allopathy, homoeopathy, and the Indian system of medicine
- Patients can avail cashless facilities at empanelled hospitals / authorised wellness centres through the CGHS card received after registration
- The scheme provides reimbursement on expenses incurred on emergency treatments at government or private hospitals
- It also covers OPD treatment, medication charges and consultation costs at government hospitals or polyclinics and indoor treatment at government or CGHS enlisted hospitals
- To apply:
- A currently serving employee will be required to produce proof of residency, disablement certificate from a valid authority in case a dependent is differently-abled, proof of residency and age of the dependent
-
- A pensioner will be required to produce proof of residency, disablement certificate from a valid authority in case a dependent is differently-abled, proof of residency and age of the dependent, attested copies of PPO/provisional PPO/last pay certificate, Surrender Certificate (if CGHS card was issued during service) and demand draft

- Medical expenses are covered from day one of employment
- The insured person must draw monthly wages of less than INR 21,000 and be employed in a non-seasonal factory with over 10 employees to avail the scheme’s benefits
- The worker is eligible for cash benefits in the case of sickness, disability, maternity, physical rehabilitation, etc.
- The scheme provides maternity benefit of 100% of wages for 12 weeks
- In the event of an employee becoming temporarily or permanently disabled, they are supplied a monthly wage of 90%
- The insured can receive 70% of cash benefits during medical leave for a maximum of 91 days.
- To apply, the employer will be required to produce a registration certificate or licence under the Shops and Establishment Act or Factory Act, partnership deed for partnership firms and Certificate of Registration for Private Limited Companies, list of all workers with their monthly compensation details, address proof and PAN card of all employees as well as the business entity, list of shareholders, partners, and directors of the establishment and employee attendance registers

- Insurance coverage is on family-floater basis
- Insurance companies will help with enrolling in this scheme
- The income must be lesser than the sum insured amount for BPL families and more than the sum insured amount for APL families
- The insured members are reimbursed for medical expenses incurred during hospitalisation for any illness, disease, or injury sustained by them
- Each family is liable to receive INR 30,000 as hospitalisation benefit, which includes maternity benefit
- Minimum claim expenses are limited to INR 15,000 (excluding maternity benefits)
- The insured member or their spouse may receive INR 50 for a maximum of 15 days, in case they are hospitalised due to illness or an accident. This is provided from the 4th day of hospitalisation.
- People aged between 5 and 70 years can avail the benefits of the scheme
- Children aged between 3 months and 5 years old are covered with their parents under the scheme.
- The premium is calculated at INR 365 annually
- Families with 5 members or less have to pay an annual premium of INR 548
- Families with more than 5 but less than 7 members have to pay an annual premium of INR 73
- To apply, a BPL applicant is required to produce certificate providing proof of BPL status from Tehsildar or Block Development Officer of the State Revenue Department

- The scheme provides free and cashless delivery, c-section, treatment, drugs and consumables, diagnostics and diet, provision of blood, transport from home to health institutions, transport between facilities in case of referral, drop back from institutions to home and exemption from all kinds of user charges
- The benefits are extended to all antenatal & postnatal complications of pregnancy
- To apply, an applicant will be required to register at any government health centre and produce an Aadhar card, caste certificate, and Ration card (BPL)


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
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:
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.

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.

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.

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.
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.
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.
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.

Written by:
Anoushka Pinto

Written by:
Anoushka Pinto

Finding Comfort and Care: A Guide to Palliative Care Centres in Karnataka

Finding Comfort and Care: A Guide to Palliative Care Centres in Karnataka
Palliative care centres provide holistic care and support to critically ill patients by ensuring personalised care and treatment plans to improve the quality of life and reduce suffering.
Published on: 25 January, 2023
Palliative care centres provide holistic care and support to critically ill patients by ensuring personalised care and treatment plans to improve the quality of life and reduce suffering.
Published on: 25 January, 2023
Palliative care is a comprehensive approach to addressing the physical, psychological, social, and spiritual needs of patients and their families who are facing life-threatening illnesses. By providing holistic care and support, palliative care helps to improve the quality of life for both adults and children, easing the burden of stress, pain, and other symptoms associated with serious illnesses.
Palliative care is provided for a range of conditions: cardiovascular diseases, cancer, chronic respiratory diseases, kidney failure, chronic liver disease, multiple sclerosis and Parkinson’s disease.
Patients may receive palliative care in a hospital, an outpatient clinic or at home under the direction of licensed healthcare providers.
Here is a district-wise list of some of the top palliative care centres in Karnataka: as
*Pinch/scroll or double-tap/double-click to zoom in on any area.
Palliative care is a comprehensive approach to addressing the physical, psychological, social, and spiritual needs of patients and their families who are facing life-threatening illnesses. By providing holistic care and support, palliative care helps to improve the quality of life for both adults and children, easing the burden of stress, pain, and other symptoms associated with serious illnesses.
Palliative care is provided for a range of conditions: cardiovascular diseases, cancer, chronic respiratory diseases, kidney failure, chronic liver disease, multiple sclerosis and Parkinson’s disease.
Patients may receive palliative care in a hospital, an outpatient clinic or at home under the direction of licensed healthcare providers.
Here is a district-wise list of some of the top palliative care centres in Karnataka:
*Pinch/scroll or double-tap/double-click to zoom in on any area.
1. Bangalore Urban
Address:
43/2, New Airport Road, NH-7
Outer Ring Rd, Sahakar Nagar
Bangalore, Karnataka 560092
Contact: +919886179793, +918904873642
Email: drragraj1@gmail.com
Website www.asterhospitals.in
Palliative Care Program
Address:
Bellary Road, Hebbal
Bangalore, Karnataka 560024
Services: Out-patient / In-patient / Home care
Contact: +9180 22024395, +9180 22024700
Email: palliative@bbh.org.in
Website: www.bbh.org.in
Karunashraya
Address:
Airport Varthur Main Road
Marathahalli, Kundalahalli Gate
Bangalore, Karnataka 560037
Services: Out-patient / In-patient / Home care
Contact: +918042685666
Fax: +918028476201
Email: karunashraya@vsnl.com
Website: www.karunashraya.org
Department of Palliative Care
Address:
Dr M.H. Marigowda Road
Bangalore, Karnataka 560029
Services: Out-patient / In-patient
Contact: +918026094100, +918026560703, +919845226581
Email: drlingegowda@yahoo.com, kidwai@.nic.in, contactus@kmio.org
Website: www.kar.nic.in/kidwai/
Address:
2nd Cross Rd, Kodanda Reddy Layout
Ramamurthy Nagar, Bengaluru
Karnataka 560016
Services: Out-patient / Home care
Contact: +919448458301
Email: sanghamitra.iyengar@gmail.com
Website: http://www.samraksha.org
Department of Pain and Palliative Medicine
Address:
Sarjapur Road, Bangalore
Karnataka 560034
Services: Out-patient / In-patient / Home care
Contact: +918022065925, +918022065913, +917411916820
Email: ppcusjmch@gmail.com
Website: www.stjohns.in
Address:
Room 208, 2nd Floor
Tower 4, K. R. Road
Sampangiram Nagar, Bangalore
Karnataka 560027
Contact: +918061562208, +919886770724
Email: manojbengaluru.gk@gmail.com
Website: www.hcgoncology.com
Kshema Palliative Care LLP
Address:
No 15/A, 17th Cross, 21st Main
5th Phase, J. P. Nagar
Bengaluru, Karnataka 560078
Services: In-patient
Contact: +918049563868, +919108930666, +919902233221
Email: hospice@kshemahealth.co.in
Website: www.kshemahospice.co.in
Chetana Vihara
Address:
143 B, Bommasandra Industrial Area,
Hebbagodi, Bangalore
Karnataka 560099
Contact: +919741862781, +919845114794
Email: cvhospital.in@gmail.com
2. Bangalore Rural
Address:
Bommenahalli Road,
Devanahalli, Bangalore
Karnataka 563112
Services: Out-patient / In-patient / Home care
Contact: +919380977573
Email: palliative@bbh.org.in
Website: www.bbh.org.in
3. Dakshina Kannada
Address:
PO Box 53, Light House Hill Road
Mangalore, Karnataka 575001
Services: Out-patient / In-patient
Contact: +919448189480
Email: sheetal.raj@manipal.edu
Address:
Mangalanagara Kudupu
Vamanjoor, Mangalore
Karnataka 575028
Services: In-patient / Home care
Contact: +917022620186
Website: http://avemariapalliativecare.org/
Address:
APMC road, Puttur
Karnataka 574201
Services: Out-patient
Contact: 08251235065
4. Udupi
Department of Palliative Medicine and Supportive Care
Address:
Hebri Rd, Madhav Nagar
Manipal, Karnataka 576104
Contact: 08202922456, +919969683669
5. Mysore
Address:
Gaffar Khan Ward
PKTB and CD Hopital Campus
KRS Road, Mysuru 570002
Services: Out-patient / In-patient / Home care
Contact: +918212974133, +919686666155, +919886379529
Email: palliativecare@svym.org.in
Website: www.svym.org
Address:
Rajendra Nagar Main Rd
Bannimantap A Layout, Bannimantap
Mysuru, Karnataka 570007
Contact: +919342134196
Email: drakka_p@yahoo.co.in
Address:
Vijay Nagar 3rd Stage
Vijayanagar, Mysuru
Karnataka 570017
Contact: +919513512199, +929739299306, +919880621777
Email: info.radiant@clearmedi.com
6. Shimoga
Address:
Garden Area, BH Road Cross
Opp Modern Talkies, Shimoga
Karnataka 577201
Services: Out-patient / In-patient
Contact: +918182 223366
Email: sharanya_shimoga@rediffmail.com
Website: www.sharanyahospice.org
Address:
Malnad Social Service Society
St. Joseph Chruch Compound
Sagar Road, Shimoga
Karnataka 577204
Services: Out-patient / In-patient / Home care
Contact: +919482598520
Email: msssbhadravathi@gmail.com
7. Chikmagalur
Supported by Catholic Health Association of India (CHAI)
Address:
Narshimaraipura, Chikmagalur,
Karnataka 577134
Services: Out-patient / In-patient
Contact: +919449651252
Email: marrysusanna@yahoo.com
Website: https://pushpahospital.com/
8. Kalaburagi
Address:
16-1-1, Behind KSDC,
Near Gold Hub, Kalaburagi
Karnataka 585102
Services: In-patient / Home care
Contact: +918762501721, +919449058721, +918762438721
Email: ceo@samzios.com
Website: www.samzios.com
1. Bangalore Urban
Address:
43/2, New Airport Road, NH-7
Outer Ring Rd, Sahakar Nagar
Bangalore, Karnataka 560092
Contact: +919886179793, +918904873642
Email: drragraj1@gmail.com
Website www.asterhospitals.in
Palliative Care Program
Address:
Bellary Road, Hebbal
Bangalore, Karnataka 560024
Services: Out-patient / In-patient / Home care
Contact: +9180 22024395, +9180 22024700
Email: palliative@bbh.org.in
Website: www.bbh.org.in
Karunashraya
Address:
Airport Varthur Main Road
Marathahalli, Kundalahalli Gate
Bangalore, Karnataka 560037
Services: Out-patient / In-patient / Home care
Contact: +918042685666
Fax: +918028476201
Email: karunashraya@vsnl.com
Website: www.karunashraya.org
Department of Palliative Care
Address:
Dr M.H. Marigowda Road
Bangalore, Karnataka 560029
Services: Out-patient / In-patient
Contact: +918026094100, +918026560703, +919845226581
Email: drlingegowda@yahoo.com, kidwai@.nic.in, contactus@kmio.org
Website: www.kar.nic.in/kidwai/
Address:
2nd Cross Rd, Kodanda Reddy Layout
Ramamurthy Nagar, Bengaluru
Karnataka 560016
Services: Out-patient / Home care
Contact: +919448458301
Email: sanghamitra.iyengar@gmail.com
Website: http://www.samraksha.org
Department of Pain and Palliative Medicine
Address:
Sarjapur Road, Bangalore
Karnataka 560034
Services: Out-patient / In-patient / Home care
Contact: +918022065925, +918022065913, +917411916820
Email: ppcusjmch@gmail.com
Website: www.stjohns.in
Address:
Room 208, 2nd Floor
Tower 4, K. R. Road
Sampangiram Nagar, Bangalore
Karnataka 560027
Contact: +918061562208, +919886770724
Email: manojbengaluru.gk@gmail.com
Website: www.hcgoncology.com
Kshema Palliative Care LLP
Address:
No 15/A, 17th Cross, 21st Main
5th Phase, J. P. Nagar
Bengaluru, Karnataka 560078
Services: In-patient
Contact: +918049563868, +919108930666, +919902233221
Email: hospice@kshemahealth.co.in
Website: www.kshemahospice.co.in
Chetana Vihara
Address:
143 B, Bommasandra Industrial Area,
Hebbagodi, Bangalore
Karnataka 560099
Contact: +919741862781, +919845114794
Email: cvhospital.in@gmail.com
2. Bangalore Rural
Address:
Bommenahalli Road,
Devanahalli, Bangalore
Karnataka 563112
Services: Out-patient / In-patient / Home care
Contact: +919380977573
Email: palliative@bbh.org.in
Website: www.bbh.org.in
3. Dakshina Kannada
Address:
PO Box 53, Light House Hill Road
Mangalore, Karnataka 575001
Services: Out-patient / In-patient
Contact: +919448189480
Email: sheetal.raj@manipal.edu
Address:
Mangalanagara Kudupu
Vamanjoor, Mangalore
Karnataka 575028
Services: In-patient / Home care
Contact: +917022620186
Website: http://avemariapalliativecare.org/
Address:
APMC road, Puttur
Karnataka 574201
Services: Out-patient
Contact: 08251235065
4. Udupi
Department of Palliative Medicine and Supportive Care
Address:
Hebri Rd, Madhav Nagar
Manipal, Karnataka 576104
Contact: 08202922456, +919969683669
5. Mysore
Address:
Gaffar Khan Ward
PKTB and CD Hopital Campus
KRS Road, Mysuru 570002
Services: Out-patient / In-patient / Home care
Contact: +918212974133, +919686666155, +919886379529
Email: palliativecare@svym.org.in
Website: www.svym.org
Address:
Rajendra Nagar Main Rd
Bannimantap A Layout, Bannimantap
Mysuru, Karnataka 570007
Contact: +919342134196
Email: drakka_p@yahoo.co.in
Address:
Vijay Nagar 3rd Stage
Vijayanagar, Mysuru
Karnataka 570017
Contact: +919513512199, +929739299306, +919880621777
Email: info.radiant@clearmedi.com
6. Shimoga
Address:
Garden Area, BH Road Cross
Opp Modern Talkies, Shimoga
Karnataka 577201
Services: Out-patient / In-patient
Contact: +918182 223366
Email: sharanya_shimoga@rediffmail.com
Website: www.sharanyahospice.org
Address:
Malnad Social Service Society
St. Joseph Chruch Compound
Sagar Road, Shimoga
Karnataka 577204
Services: Out-patient / In-patient / Home care
Contact: +919482598520
Email: msssbhadravathi@gmail.com
7. Chikmagalur
Supported by Catholic Health Association of India (CHAI)
Address:
Narshimaraipura, Chikmagalur,
Karnataka 577134
Services: Out-patient / In-patient
Contact: +919449651252
Email: marrysusanna@yahoo.com
Website: https://pushpahospital.com/
8. Kalaburagi
Address:
16-1-1, Behind KSDC,
Near Gold Hub, Kalaburagi
Karnataka 585102
Services: In-patient / Home care
Contact: +918762501721, +919449058721, +918762438721
Email: ceo@samzios.com
Website: www.samzios.com
Need help affording palliative care for you or a loved one? Milaap makes it easy to seek financial assistance. Set up a fundraiser for any medical emergency in minutes and raise funds to cover the cost of treatment. No matter the situation, Milaap is here to help you get the care you need.
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.
Need help affording palliative care for you or a loved one? Milaap makes it easy to seek financial assistance. Set up a fundraiser for any medical emergency in minutes and raise funds to cover the cost of treatment. No matter the situation, Milaap is here to help you get the care you need.
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.

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
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:
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.

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.

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.

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:
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.

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.

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.

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.
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.
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.
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.

Written by:
Anoushka Pinto

Written by:
Anoushka Pinto
Palliative care is a comprehensive approach to addressing the physical, psychological, social, and spiritual needs of patients and their families who are facing life-threatening illnesses. By providing holistic care and support, palliative care helps to improve the quality of life for both adults and children, easing the burden of stress, pain, and other symptoms associated with serious illnesses.
Palliative care is provided for a range of conditions: cardiovascular diseases, cancer, chronic respiratory diseases, kidney failure, chronic liver disease, multiple sclerosis and Parkinson’s disease.
Patients may receive palliative care in a hospital, an outpatient clinic or at home under the direction of licensed healthcare providers.
Here is a district-wise list of some of the top palliative care centres in Karnataka: without template while editing