Tuesday, March 7, 2017

A TO Z OF FINANCIAL HELP FOR A CANCER PATIENT SEEKING TREATMENT FUNDS

             

Cancer treatment can be expensive which usually deters people from either following or completing their treatment plans. The bills usually tend to run so high that they become an added source of pressure on the already emotionally stressed out and anxious people. This article aims to provide guidance as to how to organise your finances, types of costs that can crop up and ways to seek treatment funds.

IDENTIFYING COSTS: 

Cancer treatment includes medical costs like doctor’s appointments, treatment, medication etc. Various non-medical or hidden expenditure includes travel, financial issues of a family or loss of employment. It might be helpful to group the various costs according to your needs and budget. The overall cost of treatment would depend on various personal factors like the kind of cancer one has, the type of treatment needed, health insurance coverage and where you will be treated. 


          

All this might seem a bit overwhelming. However, there are various national and local organisations which can provide financial assistance to patients facing financial difficulties.


 GOVERNMENT POLICIES:  


1) PRIME MINISTER’S NATIONAL RELIEF FUND ( PMNRF) : 

                            

Started by former PM Pt. Jawaharlal Nehru in 1948 to help families of major natural disasters and riots. However, they also provide medical assistance for cancer treatment. Funds are provided by PM or multiple delegates for national cause. A person can apply online and even check the hospitals covered under the fund on the PMNRF website. The approval of the application depends solely on the discretion of the PM.

 Website link: https://www.pmnrf.gov.in/contactus.php


2) MINISTRY OF HEALTH AND FAMILY WELFARE: 

                      

Under the schemes of Rashtriya Arogya Nidhi ( RAN) and State Illness Assistance Funds (SAIF), government provides financial assistance for families below poverty lines . The assistance is provided only for treatment in government hospitals, list of which is available online. Cases of estimates above 1.50 lakh are referred to RAN by the State Government.

There’s also a closure for Income Tax Relief for Cancer Patient. The form for the same is available online. ( http://www.incometaxindia.gov.in/Rules/Income-Tax%20Rules/103120000000007232.htm )

3) CHIEF MINISTER’S RELIEF FUNDS:

                

It is provided by states that have opted for SAIF. However, this excludes states of Assam, Meghalaya and Nagaland.

NON GOVERNMENT ORGANISATIONS: There are NGOs in India which have been raising funds for treatment of cancer patients. Some of these are also dedicated towards providing assistance for specific cancer, for example breast cancer. Most of them have a holistic approach as to the treatment and rehabilitation. Some of these NGO are CPAA India, HelpAge India, and India Cancer Society etc.  Crowd funding by various starts-ups has also picked up who make use of social media to raise funds for cancer patients.

LINKS: http://www.indiancancersociety.org/activities-ics/cancer-cure-fund.aspx
https://milaap.org/

https://www.ketto.org/


To avail any of the above mentioned schemes, a patient needs medical reports, ID Proofs and passport size photographs.  





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Author- Diksha Kakkar
(Yoddhas Ambassador)




10 comments:

  1. Feedback from Dr. Sandip
    tanvi ji's mom-stage 3c ovarian cancer..surgery is done & then along with chemo, she started yeshi ki medicine & it helped her to cope with side effects of chemo & now she is taking it even after reaching remission stage & just completed 1 yr of cancer free stage..

    ankur ji's dad-he was diagnosed with prostate cancer & he has also taken yeshi ji medicine along with allopathic treatment & even after 2 yrs,he is absolutely fine..

    sridhar ji's mom- she had breast cancer(her2 positive) & she has also taken yeshi ji mediicine along with alloapthic medicine & she is excellent too..

    why I hv shared this?as main credit shd be givem to allopathic treatment in such cases..yes, main credit goes to allopathic treatment bt yeshi ji medicine was helpful in coping with side effects of chemo & general health was well maiintained during that period of chemo..

    those who hv done surgery & avoided chemo/radiation & went with yeshi ji medicine instead of chemo/radiation..

    sudha-1st stage lung cancer,, after surgery,, they started yeshi ji medicine instead of chemo & he is perfectly fine even after 1.5year..

    tumpa ji's mom--she had 2nd stage breast cancer & after surgery, they also avoided chemo/radiation & went with yeshi ji medicine & she is also doing good evem after 1 yr.

    shifa-she is 13yr old girl, she had osteosarcoma & after surgery, they also started yeshi ji & is absolutely fine..

    now, credit shd be given to surgery for sure bt if doctor says that for killing the remaining 0.01% of cells, chemo & radiation is required in early stage cancer, then that small credit should be given to yeshi ji medicine..

    manoj ji's brother has grade 2 astrocytoma(type of brain cancer) & he undergone surgery & recommemded radiation bt after the radiation, he started yeshi ji medicine from 6 months & he is also in good health & joined office..

    sujit bade ji's dad has GBM (brain cancer).he has also completed conventional treatment & then started yeshi ji medicine from 6 months..his counts r excellent & he wl complete 1 yr in this july..

    anshul ji's dad has prostate cancer & he is showing great improvement with combination of yeshi ji medicine & harmonal therapy from 2 yrs..

    shobha ji's father got diagnosed with RCC in 2014..he was sutent for few months bt then shifted to sorafenib in aug 2016 & he started yeshi ji in may..he has shown lot of improvement after starting this combination..

    khushboo ji had stage 3c ovarian cancer & she has avoided all the conventional treatment & is doing fine & taken only yeshi ji medicine & now taking dr.kelsang's medicine(I am nt sure abt this as I hv nt seen any reports from her).

    neeta ji, she is facing breast cancer from 2012 & taken alloapthic treatment at the start & then it relapsed & from last 4 yrs, she is taking yeshi ji medicine (she is stable from 4 yrs)..

    *main part of this is that, everyone followed dietary restrictions strictly*

    I hv clearly mentioned all positive cases where maximum imporvement was seen.there r many more who r stable after using yeshi ji medicine like khyati's mom, shweta ji's mom..

    these r positive examples from 200-300 (active users of yeshi ji medicine) out of 700 group members.

    I hv mentioned each & everything which they used so u cn decide it in better way..

    lastly,depending only on yeshi ji medicine is never recommended to anyone from my side..

    healthy diet,medicine(conventional or alternative),will power & positive attitude to face this disease of patient & lastly taking these medicines faithfully.. these all things r important to get positive result..

    what positive result means?
    stable,improvement, cure, wellness..any of this finding cn be positive result with alternative.

    *keep fighting & keep inspiring & mainly keep smiling*

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