Central Government Funded Organizations
A patient can avail one of several schemes to ease some of the financial load which they may have to bear during the course of treatment.
(1) Prime Minister’s National Relief Fund (PMNRF): This relief fund was established by the then Prime Minister, Pt. Jawaharlal Nehru in January, 1948, with contributions from public to assist displaced persons from Pakistan. The resources of the PMNRF are now utilized primarily to render immediate relief to families of those killed in natural calamities like floods, cyclones and earthquakes, etc. and to the victims of the major accidents and riots. Assistance from PMNRF is also given to meet the expenses partially for medical treatment like heart surgeries, kidney transplantation, cancer treatment, etc. The fund is recognized as a Trust under the Income Tax Act and the same is managed by Prime Minister or multiple delegates for national causes.
How to 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
Documents required to be enclosed by the applicant along with Application
- Two passport size photographs of patient (one pasted on application, another stapled with application),
- Copy of residence proof,
- Original medical certificate incorporating the type of disease and estimated cost of expenditure and
- 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, the same is considered and disbursements are made at the sole discretion of the Prime Minister, keeping in view availability of funds and prior commitments of the PMNRF.
(2) Ministry of Health & Family Welfare is giving financial assistance to the poor patients for treatment at different hospitals in all over the country under the following two schemes:
(a) Rashtriya Arogya Nidhi (RAN)
Ministry of Health &Family Welfare, Government of India is giving financial assistance to the poor patients for treatment at different hospitals in all over the country under this scheme. Health Minister’s Cancer Patient Fund (HMCPF) has been set up for providing financial assistance to the poor patients suffering from cancer.
Eligibility and Procedure
- This Fund will provide financial assistance to patients, living below poverty lines who are suffering from major life threatening diseases, to receive medical treatment at any of the super specialty Hospitals/Institutes or other Government hospitals.
- The financial assistance to such patients would be released in the form of „one-time grant‟, which will be released to the Medical Supdt. of the Hospital in which the treatment has been/is being received.
Quantum of Assistance
- An amount of up to Rs. 1,00,000/- in each deserving case reporting for treatment in the respective Hospital/Institute.
How to Apply
Documents Required Needed to submit in original in Health Ministry along with Application form for assistance under RAN
- An application in the enclosed format with medical report on the page no. 2 of the attached proforma duly signed /stamped by the treating Doctor and Head of Department and Counter signed by Medical Supdt.in original from the Government Hospital where you receive the treatment and page 1 of the proforma should be filled in respect of all columns.
- Income of the patient/parent (Monthly) duly certified not countersigned by the Block/Mandal Development Officer, Tehsildar, S.D.M Administrator, Special Officer of Municipal Boards and District Officer certifying that the beneficiary belongs to a family living poverty line in the area of their jurisdiction in original including the source of income and Income of all the major member of family from Revenue Authority (if any).
- A full copy of the ration card (BPL) along with its cover page of all the family members issued by the Food and Supply Department of the State Government duly attested by a Gazetted Officer with seal bearing the name and designation of the Officer and Department where working.
- It may be noted that re-imbursement of medical expenditure already incurred for treatment /operation is not admissible under RashtriyaArogyaNidhi.
- Cases for treatment in private hospital are not entertained.
- All the columns of the application form may be filled properly.
- The request for financial assistance will be considered immediately on receipt of above said information/papers in original
For more details click here.
List of Super Speciality Hospitals where the treatment can be taken from this fund
- All India Institute of Medical Sciences (AIIMS), New Delhi,
- Dr. Ram ManoharLohia Hospital, New Delhi,
- Safdarjung Hospital, New Delhi,
- Lady Harding Medical College(LHMC)
- Smt. S.K. Hospital, New Delhi
- Post Graduate Institute of Medical Education & Research (PGIMER), Chandigarh,
- Jawaharlal Institute of Post graduate Medical Education & Research (JIPMER) Puducherry
- National Institute of Medical Health and Neuro Sciences(NIMHANS), Bangalore
- Cittaranjan National Cancer Institute, Kolkata,
- Sanjay Ghandhi Post Graduate Institute of Medical Sciences, (SGPGIMS) Lucknow,
- Gandhi Memorial & Associated Hospitals(KGMC)Lucknow,
- North Eastern Indira Gandhi Regional Institute of Health & Medical Sciences (NEIGRIHMS), Shillong,
- Regional Institute of Medical Sciences (RIMS), Imphal
(b) STATE ILLNESS ASSISTANCE FUND (SIAF)
All State Govts./UT Administrations have been advised vide Ministry of Health & Family Welfare letter dated 11/11/96 to set up an Illness Assistance Fund in their respective States/UTs. Grant-in-aid from Central Government would be released to each of these States/UTs (with Legislature) where such Funds are set up.
The State/UT level Funds could also receive contributions/donations from donors, as mentioned for RAN.
Quantum of Financial assistance
The Illness Assistance Fund at the State/UT level would release financial assistance to patients living in their respective States/UT up to Rs. 1.50 lakh in an individual case and forward all such cases to RAN, where the quantum of financial assistance is likely to exceed Rs. 1.50 lakh.
The following States/UTs (with Legislature) have set up Illness Assistance Fund
Karnataka, Madhya Pradesh, Tripura, Andhra Pradesh, Tamil Nadu, Himachal Pradesh, Jammu & Kashmir, Maharashtra, West Bengal, Kerala, Mizoram, Rajasthan, Goa, Gujarat, Sikkim, Bihar, Chhatisgarh, Jharkhand, Haryana, Uttarakhand , Punjab, Uttar Pradesh and Manipur and the NCT of Delhi and Puducherry.
For the UnionTerritories, which do not have legislaturewill be sanctioned a budget outlay out of the NIAF. Patient taking treatment in his State has to avail assistance from State Illness Fund (where such fund has been set up) provided medical estimate does not exceed Rs.1.50 lakh. Cases of where the estimates are above Rs.1.50 lakh to be referred by States for assistance from RashtriyaArogyaNidhi (Central Fund) by the Ministry of Health & Family Welfare.
Eligibility for Assistance under RAN and SIAF
- Only for persons below the poverty line suffering from specified,lifethreatening disease.
- Assistance admissible for treatment in Government Hospital only.
- Central Government/State Government/P.SU employees not eligible.
- Re-imbursement of medical expenditure already incurred not permissible.However, in exceptional cases, reimbursement could be allowed on acase to case basis with due approval of the Management Committee, provided the eligible patient has already applied for financial assistance before taking medical treatment/operation under emergency situation only and paid the dues to the concerned Hospital/Institute.
- Diseases of common nature and disease for which treatment is available free of cost under other health programmes/schemes not eligible for grant.
- Patient taking treatment in his/her State has to avail assistance from State Illness Fund (where such fund has been set up) provided medical estimate does not exceed Rs.1.50 lakh.
- Cases of estimates above Rs.1.50 lakh to be referred by States for assistance from RashtriyaArogyaNidhi (Central Fund) by the Ministry of Health & Family Welfare.
(3) Central Government Health Scheme (CGHS): Applicable for retired Central Government employees and dependents. For providing better cancer treatment facilities to CGHS beneficiaries, one private hospital in Hyderabad and 10 Private hospitals in Delhi have been empanelled in June 2011 under CGHS exclusively for Cancer treatment as per the rates of Tata Memorial Hospital for Cancer Surgery. In addition, patient can avail cancer treatment at approved rates from any hospital, where facilities for cancer treatment are available.
(4) Railway concession for cancer patient and one bystander: Travel for the patient is totally free. The bystander has to pay only 25% of the actual II class fare. This concession is applicable only for travel from nearest hometown station to treating cancer hospital/cancer institute and back.
Form can be downloaded here.
(5) Air concession for cancer patient: Patient has to pay 50% of the basic fare of the normal economy class. This concession is applicable only for those persons who are resident of India and suffering from cancer and are travelling for the purpose of medical check-up/treatment.
Required Documents: An application from the passenger stating that he/she is proceeding for treatment supported by a certificate issued by cancer hospital or an institute. Form can be downloaded here.
(6) RASHTRIYA SWASTHYA BIMA YOJNA (RSBY):
Eligibility & Procedure
- Below Poverty Line families, Mahatma Gandhi National Rural Employment Guaranty Act (MGNREGA) job card holder families, Beedi Workers, Domestic Workers, Street Vendors etc. 2. Smart cards will be issued to every BPL & eligible MGNREGA job card holder family in their respective NP / AMC Ward / Villages/ Panchayats.
- Both Public and Private hospitals are eligible for empanelment under RSBY.
Quantum of Assistance:
- Smart card issued under the scheme contain a Sum Insured of Rupees 30,000/-(Thirty Thousand) for one year which will cover maximum of five members of a family.
- RSBY Smart Card holder families shall be entitled to cashless hospitalization coverage in the empanelled hospitals under the scheme. Benefits are applicable only when there is need for minimum of 24 hrs hospitalization or certain daycare procedures.
- Transportation cost of Rs.100/- per hospitalization (upto a maximum of Rs.1000/- in a year) will be paid to the patient by the hospital.
- Expenditure exceeding Rs.30,000/- for any Smart Card Holder family shall be borne by themselves.
How to apply: BPL family will have to pay Rs.30/- as a registration fee at the time of card issuance. Rest of the premium shall be borne by the State and Central Govt. to Insurance Company.
(7) Income Tax relief for cancer patient: Form can be downloaded here.
Note: Apart from these centrally funded schemes many State Governments and Non Government Organizations (NGO) also provide aid for cancer patients. The readers are advised to visit their respective websites for more information.
Chief Minister’s relief fund
The Chief Minister’s relief fund provides required treatments to the distressed people affected by the major natural calamities like flood, drought, fire accident etc, and it also provides the financial assistance to the needy individuals for their treatment of cancer, cardiac surgery, kidney transplant, liver and multi-organ failure etc.
To avail Chief Minister’s relief fund, application form should accompany the following documents:
- Medical certificate taken within a period of six months.
- Application should be submitted to village Office/Taluk Office/Collectorate
The following States/Union territories (with legislature) have set up Illness Assistance Fund: Karnataka, Madhya Pradesh, Tripura, Andhra Pradesh, Tamil Nadu, Himachal Pradesh, Jammu & Kashmir, Maharashtra, West Bengal, Kerala, Mizoram, Rajasthan, Odisha, Goa, Gujarat, Sikkim, Bihar, Chhatisgarh, Jharkhand, Haryana, Uttarakhand , Punjab, Uttar Pradesh and Manipur and the National Capital Territory of Delhi and Puducherry.
The following States have not yet set up the States Illness Assistance Fund
Links for guidelines & application forms (where available) of various states to avail aid from Chief Minister’s relief fund