Written by:
Aathira Ayyappan
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Financial Lifelines For Organ Transplants: 4 Government Initiatives and Programs
Financial Lifelines For Organ Transplants: 4 Government Initiatives and Programs
These schemes aim to ease the financial burden on individuals undergoing these life-saving procedures. From providing financial assistance for organ transplantation surgeries to covering medical expenses, these initiatives ensure that more people have access to this critical healthcare need.
These schemes aim to ease the financial burden on individuals undergoing these life-saving procedures. From providing financial assistance for organ transplantation surgeries to covering medical expenses, these initiatives ensure that more people have access to this critical healthcare need.
Published on: 23 August, 2023
Published on: 23 August, 2023
In recent years, government initiatives have taken significant strides in addressing the critical issue of organ transplantation. These schemes aim to bridge the gap between the urgent need for life-saving organ transplants and the limited availability of organs. By providing financial assistance and comprehensive healthcare coverage, these programs not only alleviate the financial burden on patients and their families but also pave the way for greater accessibility to organ transplantation.
In this article, we will delve into the various government schemes in India that are dedicated to supporting organ transplantation and the individuals in need of these life-transforming procedures.
1. Sushrusha Scheme of Assam Government
Scheme Overview
Eligibility criteria
Benefits
Exclusions
Documents required
Read more
Scheme Overview
The Sushrusha Scheme, launched by the Government of Assam, aims to provide financial assistance to patients who have undergone kidney transplantation. The scheme was initiated on August 23, 2010, and it supports eligible residents of Assam in covering the expenses associated with kidney transplantation and post-transplant care.
Eligibility criteria
To qualify for the Sushrusha Scheme, individuals must meet the following criteria:
- Must be a resident of Assam.
- The kidney transplantation should have taken place after April 1, 2010.
- The annual household income should be less than INR 3 lakh.
Certification Requirement:
In order to be eligible for the scheme, patients must receive certification from a designated Nodal Officer confirming that they have undergone a kidney transplantation procedure.
Benefits
Eligible beneficiaries of the Sushrusha Scheme receive a one-time financial assistance of INR 1 lakh. This financial aid is intended to assist patients in managing the costs incurred during the kidney transplantation procedure and the subsequent aftercare.
Exclusions
Certain categories of individuals are not covered under the Sushrusha Scheme:
- Government servants
- Public sector employees
- Employees entitled to medical reimbursement from their employers
Documents required
- ID proof like Aadhaar or Voter ID card
- Certificate of registration of Hospital given by the appropriate authority that performed the transplant discharge summary
Read more
2. Karnataka Government’s ‘Organ Transplantation Scheme’ for poor/BPL patients
Scheme Overview
Eligibility criteria
Benefits
Exclusions
Documents required
Read more
Scheme Overview
The scheme is applicable only for BPL recipients, receiving organs from live-related donors and such transplants will be conducted in government hospitals. However in the event of the government hospitals not having the capacity to perform such transplants then it may be referred to empanelled private hospitals.
In the event of cadaveric transplants (brain dead), the transplant can be conducted in government or private empanelled hospitals as per the registration of the recipient and availability of the organ in the retrieval centre.
The allotment policy of the Jeevasarthakathe Society (the Government-appointed body to oversee the implementation of the Transplantation of Human Organs Act of 1994) will be followed for preauthorization of the procedure other conditions like BPL/poor recipient is also applicable. .
Eligibility criteria
- Poor/BPL patients of Karnataka State identified by BPL card and Aaadhar card are eligible under the scheme.
- The beneficiary should visit Public Health Institutes (INU, SJICR, PMSSY, IGE) and after evaluation should register for organ transplant after getting approval from the authorisation committee (Hospital level/District/ State level authorization).
Benefits
- The total cost of kidney transplant surgery is INR 3 lakhs per patient, per year
- The total cost of heart transplant surgery is INR 11 lakhs per patient, per year
- The total cost of liver transplant surgery is INR 12 lakhs per patient, per year
Exclusions
Anyone belonging to any other category than the BPL category for persons domiciled in Karnataka.
Documents required
- Recipient declaration cum permission for organ transplantation
- Donor declaration cum permission for transplantation
- Donor dependent declaration and birth certificate
- SSLC mark sheet / passport copy / driving licence for both recipient and donor
Read more
3. Delhi Arogya Kosh
Scheme Overview
Eligibility criteria
Benefits
Documents required
Read more
Scheme Overview
The Delhi government’s Arogya Kosh (Health Fund) aims to provide financial assistance to residents of Delhi who require specialised medical treatments, including organ transplantation. It supports individuals who are unable to afford the high costs of certain medical procedures.
Eligibility criteria
- Patients with annual family income up to INR 3 lakhs are eligible.
- The patient should be a bona fide resident of Delhi for the last 3 years ( prior to the date of submission of the application).
- The patient should be seeking treatment in a government hospital run by Delhi government / central government / AIIMS / autonomous institutes of the state government / local bodies.
Benefits
- Financial Assistance up to INR 25,000 is sanctioned at the level of Directorate General Of Health Services (DGHS), up to INR 1.5 lakh is sanctioned at the level of DGHS after approval of the finance department.
- Financial Assistance above INR 1.5 lakh up to Rs. 5 lakhs is sanctioned at the level of Chairman, DAK
- National Food Security Card for income less than INR 1 lakh per annum.
Documents required
- Income certificate issued from area SDM (or any other officer authorised on this behalf by the Revenue Department) for income up to INR 3 lakhs per annum
- Domicile certificate or ration card.
Read more
4. The Central Government Health Scheme (CGHS)
Scheme Overview
Eligibility criteria
Benefits
Exclusions
Documents required
Read more
Scheme Overview
The scheme allows for reimbursement for liver transplants for cadaveric and live donors (related and unrelated).
Eligibility criteria
This scheme is applicable only for CGHS beneficiaries (both adult and paediatric) who have medical conditions like acute liver failure, cirrhosis, liver tumour, etc., that necessitate liver transplants.
Benefits
- For a living donor, the package rate for the surgery under CGHS and ECHS is INR 14 lakhs (INR 2.5 lakhs for pre-surgery evaluation of the donor and recipient and INR 11.5 lakhs for the transplant surgery).
- For a deceased donor, the package rate for the surgery under CGHS and ECHS is INR 11 lakhs.
The package includes the costs for the following:
- 30 days and 15 days of hospitalisation cost for the recipient and donor, respectively, starting one day before the surgery.
- Medical and surgical consumables charges, operation theatre charges, pharmacy charges, anaesthesia charges, procedure charges, etc.
- In-house doctor consultation and investigations for donor and recipient during the stay.
- All post-operative procedures and investigations during the hospital stay.
- The package excludes drugs like HBIG, peginterferon, and Basiliximab/Daclizumab, as well as cross-matching for blood and blood products.
Exclusions
Anybody that does not fall under the ambit of the scheme, i.e. anybody who is not a central government employee or a pensioner
Documents required
Recommendation letter by government surgeon
Liver function reports and other evaluation reports
ID proofs like Aadhaar card.
Read more
In recent years, government initiatives have taken significant strides in addressing the critical issue of organ transplantation. These schemes aim to bridge the gap between the urgent need for life-saving organ transplants and the limited availability of organs. By providing financial assistance and comprehensive healthcare coverage, these programs not only alleviate the financial burden on patients and their families but also pave the way for greater accessibility to organ transplantation.
In this article, we will delve into the various government schemes in India that are dedicated to supporting organ transplantation and the individuals in need of these life-transforming procedures.
1. Sushrusha Scheme of Assam Government
Scheme Overview
Eligibility criteria
Benefits
Exclusions
Documents required
Read more
Scheme Overview
The Sushrusha Scheme, launched by the Government of Assam, aims to provide financial assistance to patients who have undergone kidney transplantation. The scheme was initiated on August 23, 2010, and it supports eligible residents of Assam in covering the expenses associated with kidney transplantation and post-transplant care.
Eligibility criteria
To qualify for the Sushrusha Scheme, individuals must meet the following criteria:
- Must be a resident of Assam.
- The kidney transplantation should have taken place after April 1, 2010.
- The annual household income should be less than INR 3 lakh.
Certification Requirement:
In order to be eligible for the scheme, patients must receive certification from a designated Nodal Officer confirming that they have undergone a kidney transplantation procedure.
Benefits
Eligible beneficiaries of the Sushrusha Scheme receive a one-time financial assistance of INR 1 lakh. This financial aid is intended to assist patients in managing the costs incurred during the kidney transplantation procedure and the subsequent aftercare.
Exclusions
Certain categories of individuals are not covered under the Sushrusha Scheme:
- Government servants
- Public sector employees
- Employees entitled to medical reimbursement from their employers
Documents required
- ID proof like Aadhaar or Voter ID card
- Certificate of registration of Hospital given by the appropriate authority that performed the transplant discharge summary
Read more
2. Karnataka Government’s ‘Organ Transplantation Scheme’ for poor/BPL patients
Scheme Overview
Eligibility criteria
Benefits
Exclusions
Documents required
Read more
Scheme Overview
The scheme is applicable only for BPL recipients, receiving organs from live-related donors and such transplants will be conducted in government hospitals. However in the event of the government hospitals not having the capacity to perform such transplants then it may be referred to empanelled private hospitals.
In the event of cadaveric transplants (brain dead), the transplant can be conducted in government or private empanelled hospitals as per the registration of the recipient and availability of the organ in the retrieval centre.
The allotment policy of the Jeevasarthakathe Society (the Government-appointed body to oversee the implementation of the Transplantation of Human Organs Act of 1994) will be followed for preauthorization of the procedure other conditions like BPL/poor recipient is also applicable. .
Eligibility criteria
- Poor/BPL patients of Karnataka State identified by BPL card and Aaadhar card are eligible under the scheme.
- The beneficiary should visit Public Health Institutes (INU, SJICR, PMSSY, IGE) and after evaluation should register for organ transplant after getting approval from the authorisation committee (Hospital level/District/ State level authorization).
Benefits
- The total cost of kidney transplant surgery is INR 3 lakhs per patient, per year
- The total cost of heart transplant surgery is INR 11 lakhs per patient, per year
- The total cost of liver transplant surgery is INR 12 lakhs per patient, per year
Exclusions
Anyone belonging to any other category than the BPL category for persons domiciled in Karnataka.
Documents required
- Recipient declaration cum permission for organ transplantation
- Donor declaration cum permission for transplantation
- Donor dependent declaration and birth certificate
- SSLC mark sheet / passport copy / driving licence for both recipient and donor
Read more
3. Delhi Arogya Kosh
Scheme Overview
Eligibility criteria
Benefits
Documents required
Read more
Scheme Overview
The Delhi government’s Arogya Kosh (Health Fund) aims to provide financial assistance to residents of Delhi who require specialised medical treatments, including organ transplantation. It supports individuals who are unable to afford the high costs of certain medical procedures.
Eligibility criteria
- Patients with annual family income up to INR 3 lakhs are eligible.
- The patient should be a bona fide resident of Delhi for the last 3 years ( prior to the date of submission of the application).
- The patient should be seeking treatment in a government hospital run by Delhi government / central government / AIIMS / autonomous institutes of the state government / local bodies.
Benefits
- Financial Assistance up to INR 25,000 is sanctioned at the level of Directorate General Of Health Services (DGHS), up to INR 1.5 lakh is sanctioned at the level of DGHS after approval of the finance department.
- Financial Assistance above INR 1.5 lakh up to Rs. 5 lakhs is sanctioned at the level of Chairman, DAK
- National Food Security Card for income less than INR 1 lakh per annum.
Documents required
- Income certificate issued from area SDM (or any other officer authorised on this behalf by the Revenue Department) for income up to INR 3 lakhs per annum
- Domicile certificate or ration card.
Read more
4. The Central Government Health Scheme (CGHS)
Scheme Overview
Eligibility criteria
Benefits
Exclusions
Documents required
Read more
Scheme Overview
The scheme allows for reimbursement for liver transplants for cadaveric and live donors (related and unrelated).
Eligibility criteria
This scheme is applicable only for CGHS beneficiaries (both adult and paediatric) who have medical conditions like acute liver failure, cirrhosis, liver tumour, etc., that necessitate liver transplants.
Benefits
- For a living donor, the package rate for the surgery under CGHS and ECHS is INR 14 lakhs (INR 2.5 lakhs for pre-surgery evaluation of the donor and recipient and INR 11.5 lakhs for the transplant surgery).
- For a deceased donor, the package rate for the surgery under CGHS and ECHS is INR 11 lakhs.
The package includes the costs for the following:
- 30 days and 15 days of hospitalisation cost for the recipient and donor, respectively, starting one day before the surgery.
- Medical and surgical consumables charges, operation theatre charges, pharmacy charges, anaesthesia charges, procedure charges, etc.
- In-house doctor consultation and investigations for donor and recipient during the stay.
- All post-operative procedures and investigations during the hospital stay.
- The package excludes drugs like HBIG, peginterferon, and Basiliximab/Daclizumab, as well as cross-matching for blood and blood products.
Exclusions
Anybody that does not fall under the ambit of the scheme, i.e. anybody who is not a central government employee or a pensioner
Documents required
Recommendation letter by government surgeon
Liver function reports and other evaluation reports
ID proofs like Aadhaar card.
Read more
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:
Aathira Ayyappan
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