Rashtriya Arogya Nidhi: How to Apply for Medical Financial Assistance
Medical treatment for a serious illness can become financially difficult, especially when the cost is beyond what a family can afford. The राष्ट्रीय आरोग्य निधि (RAN) is a government initiative that provides वित्तीय सहायता to eligible patients from economically weaker sections for the treatment of certain life-threatening diseases at eligible government hospitals. The assistance is designed to help reduce the financial burden of expensive medical treatment when a family may not be able to afford the full cost.
If you’re wondering how to apply for Rashtriya Arogya Nidhi, this guide explains who can apply, the documents required, how the application works, and what to expect after submission.
Who Is Eligible for Rashtriya Arogya Nidhi?
RAN is meant for patients from economically weaker backgrounds who need treatment for a specific life-threatening disease. Eligibility generally depends on the patient’s financial condition, medical need and the hospital where treatment is being provided.
पात्रता criteria are as follows:
- The patient should belong to the Below the Poverty Line (BPL) category according to the respective State or Union Territory.
- The annual family income should not exceed ₹1,25,000.
- The patient should be receiving treatment at a government hospital or medical institute under the scheme.
- The disease should be severe or life-threatening, like heart disease, kidney failure, liver disease or a given rare disease.
- The treatment should not be receiving वित्तीय सहायता from any other government or private sources.
How Much Financial Assistance Does RAN Provide?
Under the current Umbrella Scheme of Rashtriya Arogya Nidhi, it can provide financial assistance of up to ₹15 लाख as a one-time grant for eligible patients with life-threatening diseases other than cancer. The actual amount depends on the treatment and assistance approved for the patient.
The assistance is intended for treatment at eligible government hospitals or institutes and is released to the treating hospital rather than directly to the patient.
के लिए कैंसर का इलाज, financial assistance is covered under the Health Minister’s कैंसर रोगी Fund (HMCPF), which is a separate component of the Umbrella Scheme.
Which Diseases and Treatments Are Covered Under RAN?
RAN provides financial assistance for major life-threatening diseases and serious medical treatments. The government’s list includes treatment and procedures across several medical specialities, which includes:
- Cardiology and Cardiac surgery: Pacemakers, angioplasty, heart surgery and cardiac transplantation.
- Cancer (under HMCPF): Chemotherapy, radiotherapy, cancer surgery and bone marrow transplantation.
- Kidney and other organ-related conditions: Dialysis, renal transplantation and liver transplantation.
- Orthopaedics: Joint replacements, prostheses and fracture-related implants.
- Neurology and neurosurgery: Brain and spinal tumors, stroke, epilepsy and neurological disorders.
- Endocrinology: Certain complicated diabetes cases and endocrine disorders requiring specialized treatment.
- Mental health conditions: Certain severe psychiatric and developmental disorders.
स्रोत: Press Information Bureau
The PIB list also states that other major illnesses or treatments may be considered for financial assistance based on the recommendation of the Medical Superintendent.
Since coverage and scheme guidelines can change, patients should confirm whether their specific treatment qualifies with the government hospital handling their RAN application.
How to Apply for Rashtriya Arogya Nidhi?
The RAN application process generally begins at the government hospital where the patient is receiving or planning to receive treatment. The hospital helps with eligibility verification, documentation and submission of the application.
Step 1: Approach the Government Hospital
Visit the eligible government hospital or institute where the patient is receiving or planning to receive treatment. Ask the hospital’s concerned department about applying for financial assistance.
Step 2: Check Your Eligibility
The hospital will help check whether the patient, disease and treatment meet the applicable RAN eligibility criteria.
Step 3: Get the RAN Application Form
Get the RAN application form through the hospital. The hospital may guide you on the appropriate application route and requirements.
Step 4: Complete the Medical and Personal Details
Fill in the required patient, family, income and medical details. Attach the relevant medical records and treatment estimate as required.
Step 5: Get the Required Signatures and Countersignature
The application must be verified and signed by the hospital authorities and doctors. Any required countersignature should also be obtained before submission.
Step 6: Submit the Documents to the Hospital
Submit the completed application and supporting documents to the concerned hospital authority. The hospital then processes and forwards the application through the applicable RAN procedure.
Step 7: Wait for Review and Approval
The application will be reviewed by the concerned authorities. If approved, a sanction is issued for the financial assistance.
Step 8: Receive the Sanction and Begin/Continue Treatment
Once the assistance is sanctioned, the approved amount will be released to the treating government hospital or institute. The patient can then receive or continue the eligible treatment as per the hospital’s process.
Can You Apply for RAN Online?
Yes, RAN applications can be processed online through eligible government hospitals or institutes. The hospital’s Ayushman Mitra or concerned RAN official will verify the patient’s details and eligibility before forwarding the application for approval.
The online process is generally hospital-assisted rather than a direct self-application by the patient. If online processing is not available at the hospital, a manual application will be submitted through the hospital’s designated office.
It is better to check with the hospital’s RAN officer or Medical Superintendent to know which application process is available and what documents are required.
Documents Required for Rashtriya Arogya Nidhi
The exact documents may vary depending on whether the application is processed online or manually through the hospital. Commonly required documents include:
- RAN application form filled with the patient’s details
- Medical reports and investigation records
- Hospital treatment estimate
- Income certificate showing the family’s financial status
- Ration card, where applicable
- Aadhaar or other valid identity proof
The hospital may also require the application to be signed by the treating doctor and countersigned by the Medical Superintendent before it is processed.
Which Hospitals Can Provide Treatment Under RAN?
RAN financial assistance is intended for treatment at eligible government hospitals and government institutes, including government hospitals with super-specialty facilities. The assistance is provided for eligible treatments covered under the scheme.
Patients should approach the government hospital where they are receiving or planning to receive treatment and check whether the hospital processes RAN applications. The hospital’s RAN Officer or Medical Superintendent’s office can guide patients through the application process.
Treatment at private hospitals is generally not covered under RAN, so patients should confirm eligibility with the concerned government hospital before proceeding.
What Is Not Covered Under RAN?
RAN provides financial assistance for eligible treatments under specific conditions. The following expenses or situations are generally not covered:
- RAN assistance is intended for treatment at eligible government hospitals and institutes. Grants are not released for patients receiving treatment at private hospitals.
- Reimbursement for medical expenses incurred before the application is generally not permitted. Patients should apply before incurring treatment expenses wherever possible.
- Treatment for diseases or medical conditions that do not meet the scheme’s eligibility criteria may not qualify for assistance. Confirm coverage with the concerned government hospital.
- Diseases or treatments for which free medical care is available under another applicable government scheme may not qualify for RAN assistance. Eligibility depends on the applicable guidelines and the patient’s circumstances.
How Does RAN Financial Assistance Reach the Patient?
RAN financial assistance is generally not transferred to the patient’s bank account. Once approved, the assistance is released as a one-time grant directly to the government hospital where the patient is receiving treatment.
The hospital uses the sanctioned assistance towards the eligible treatment expenses, according to the applicable scheme guidelines. Patients should contact the hospital’s RAN Officer or Medical Superintendent’s office to understand how the approved funds will be applied to their treatment.
Can You Use RAN With PM-JAY or Other Financial Support?
In most of the cases, it’s a ‘No’. But in some cases, RAN can be used alongside other financial assistance, depending on the patient’s eligibility, treatment and applicable scheme guidelines.
The government has stated that PM-JAY beneficiaries requiring treatment not covered under PM-JAY may be eligible for RAN assistance through the online process. However, patients should confirm the possibility of combining schemes with the hospital’s RAN officer or relevant authority.
Other options to explore include:
- Health insurance
- Hospital support programmes
- Family and community contributions
- Medical crowdfunding
What If Your RAN Application Is Not Approved?
If your RAN application is not approved, ask the hospital about the reason for rejection and whether you can correct missing documents or explore other eligible assistance programmes.
If the available government support does not cover the full treatment cost, medical crowdfunding can help you raise funds from friends, family and wider communities.
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Frequently Asked Questions
Patients from economically weaker sections who have eligible life-threatening diseases and require treatment at eligible government hospitals may qualify.
The application is generally processed through the concerned government hospital. Online processing may be available through the hospital’s digital system.
No. RAN assistance is intended for eligible government hospitals and institutes.
Eligible patients may receive a one-time grant of up to ₹15 lakh, depending on the applicable component and approval.
Generally, reimbursement for medical expenses incurred before the application is not permitted. Confirm the applicable rules with the hospital.
No. Approved assistance is generally released to the treating government hospital or institute.
Eligibility for combining assistance depends on the applicable scheme rules and the patient’s circumstances. Check with the concerned hospital.
Ask the hospital about the reason for rejection and explore other options, such as medical crowdfunding through Milaap, insurance or hospital assistance.
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