5 Funding Options for Kidney, Heart and Cancer Treatment in India

Various Financial help available for medical treatment in India

In this blog you will learn how a person can seek help from government or other sources for treatment. A patient can reduce some of the financial burden they have to bear during treatment by taking advantage of one of the many ways.

1. Prime Minister's National Relief Fund
2. Chief Minister Medical Assistance fund
3. Rashtriya Arogya Nidhi-RAN
4. NGOs and Private trusts
5. Medical Crowdfunding

1. Prime Minister's National Relief Fund | प्रधानमंत्री राष्ट्रीय राहत कोष

Apart from relief to families of those killed in natural calamities like floods, cyclones and earthquakes etc, assistance from PMNRF is also given to meet the expenses partially for medical treatment like heart surgeries, kidney transplantation, cancer treatment, etc.




People who can not afford cost of medical treatment, can apply for medical financial assistance from the PM relief fund to:

                                            
  Prime minister office.
  South Block,
  Raisina Hill,
  New Delhi-110011
  Ph: 23012312/23013149
  Fax: 23016857

Process to apply in Prime Minister’s National Relief Fund (PMNRF)

• Applicants can apply on a fixed application format available at the website and should be addressed to the Prime Minister.
• Application form can be downloaded from here

First you need a letter from your hospital, in that letter hospital will write patient’s name and cost of treatment.

Documents required to be enclosed by the applicant along with Application :

1. Two passport size photographs of patient (one pasted on application, another stapled with application), 
2. Copy of residence proof,
3. Original medical certificate incorporating the type of disease and estimated cost of expenditure 
4. Copy of income certificate. 

List of hospitals empanelled with the PMNRF is posted separately at the PMNRF website which could be used by the applicant for reference at the time of applying for grant. After receipt of application, disbursements are made at the sole discretion of the Prime Minister, keeping in view availability of funds and prior commitments of the PMNRF.

Hospital List under the PM National Relief Fund

2. Chief Minister Medical Assistance fund | मुख्यमंत्री चिकित्सा सहायता कोष

Many states have Chief Minister level similar welfare programmes for medical expenses like heart surgeries, kidney transplantation, cancer treatment etc.

Ex- Government of West Bengal, Bihar, Uttar Pradesh, Gujarat, Maharastra etc.






Eligibility:

• Patient Should be a resident of Concerned state.
• Annual Income of patient should be below Rs. 1 Lakh.
• Diseases should be cured in state government hospitals or in Hospitals recognised by CGHS.

3. Rashtriya Arogya Nidhi-RAN | राष्ट्रीय स्वास्थ्य निधि

Financial assistance is provided by Department Of Health & Family Welfare under Rashtriya Arogya Nidhi-RAN (राष्ट्रीय स्वास्थ्य निधि) to the patients below poverty line and suffering from major illness (related to heart, liver, kidney and cancer cases) at any listed Government Hospitals or Institutions, to defray a part of the expenditure on hospitalization and treatment.

To avail financial assistance under RAN, the patient is required to submit :

1. Application form in prescribed proforma duly signed by the treating doctor and countersigned by the Medical Superintendent of the Government hospital or institute.
2. Copy of the income certificate (Monthly) duly certified by the Block/Mandal Development Officer, Tehsildar, S.D.M Administrator and District Officer.
3. Copy of the ration card duly attested by a Gazetted Officer with seal bearing the name and designation of the Officer and Department where working.

• Revolving Funds have been set up in 12 Central Government Hospitals/Institutes and funds upto Rs. 50 lakhs are placed at their disposal for providing treatment upto Rs. 2 lakh in each case.
• Cases involving treatment beyond 2 lakh are referred to Ministry of Health & Family Welfare, Government of India for providing funds.

Government Hospitals, where free medical facilities are not available, Patient can apply for Health Minister’s Discretionary Grant (स्वास्थ्य मंत्री के विवेकाधीन अनुदान)

Rashtriya Arogya Nidhi (RAN) Official guidelines
Application Form for Rashtriya Arogya Nidhi

4. NGOs and Private trusts

Patient may request Funds from NGOs and private trusts also. Many NGOs actively fund raise to help those unable to afford treatment, which are :

Tata trust 
Reliance foundation
Shree Siddhivinayak Temple Trust Prabhadevi


Others are Nargis Dutt Memorial Trust, unCancer India, Yuvraj Singh Foundation, The Indian Cancer Society, The Cancer Patient Aid Association, the Cancer Care Trust, Yoddhas and First Hand Foundation are NGOs that help cancer patients.

5. Medical Crowdfunding | भीड़ वित्त पोषण

Raising money from friends and family is an old way of coping with crisis. Crowdfunding is a method of raising fund through the collective effort of friends, family, individual investors and other people.

With the Internet, social media can now be used to raise funds for treatment. Not only local social networks, but people all over the world also help the needy financially. 

It is done by raising money from a large number of people who each contribute a relatively small amount, typically via the Internet.

                              This online criterion campaign is easy to set up, operate and track. Unlike all other paths, there is no eligibility / criteria, and all you need is basic knowledge of how to use the Internet to tell your story.

• Milaap, a fundraising platform
• Impactguru
• Ketto
• Facebook, click here to see details

Other Concessions | अन्य रियायतें

The government provides railway and air concession to the patients to travel for the purpose of medical checkup/treatment. Travel fare for the patient is free in railways, and the person accompanying the patient has to pay only 25 percent of the actual II class fare. In the case of traveling by air, the patient has to pay 50% of the basic fare of the normal economy class.

            Other than these, many income tax reliefs are also available for the cancer patients. You can download Tax relief form here 

Know all the above information on youtube video ⇩

इस विडियो को Youtube पे देखने के लिए यहाँ Click करे 

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