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)

THE PRIME MINISTER RELIEF FUND: All you need to know

                                                    

The Prime minister relief fund was initially started by the former prime minister Jawahar Lal Nehru in 1948 with public contributions to help the displaced people from Pakistan. The.The funds  are now primarily utilized  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 is also rendered, to partially defray the expenses for medical treatment like heart surgeries, kidney transplantation, cancer treatment, etc. 

The fund consists entirely of public contributions and does not get any budgetary support. The corpus of the fund is invested with PSU banks in various forms. Disbursements are made with the approval of the Prime Minister. PMNRF has not been constituted by the Parliament. 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. PMNRF operates from the Prime Minister’s Office, South Block, New Delhi-110011 and does not pays any license fee. PMNRF is exempt under Income Tax Act, 1961 under Section 10 and 139 for return purposes. Contributions towards PMNRF are notified for 100% deduction from taxable income under section 80(G) of the Income Tax Act, 1961. Prime Minister is the Chairman of PMNRF and is assisted by Officers/ Staff on honorary basis. Permanent Account Number of PMNRF is AACTP4637Q. PMNRF accepts only voluntary donations by individuals and institutions.

HOW TO APPLY:

Cancer patients can apply to the PMRF for financial assistance. For that one needs to apply to the Prime minister office directly with the cost estimate given by the patient's doctor. It may be useful in getting the application endorsed by the local constituency MP or MLA. Generally partial assistance is given.

      

The PMNRF Assistance Form

HOW TO DONATE:

Contributions to the Fund can be deposited in select branches of the Central Bank of India, State Bank of India, Bank of India, Indian Overseas Bank, Syndicate Bank and Punjab National ,through cheques or bank drafts in favour of the 'Prime Minister's National Relief Fund'. Receipt of the contribution will be acknowledged by the receiving bank, and the donation sent to the Fund account for deposit. Thereafter, a formal receipt for the contribution will be issued from the Prime Minister's National Relief Fund. All donors should ensure that the pay-in-slip is properly filled-in while making the deposit, to enable the Prime Minister's Office to issue the formal receipt. The Fund does not accept contributions in kind. Contributors who live outside India may deposit their contributions with the nearest Indian Mission or in any branch of the State Bank of India for transfer to the Prime Minister's National Relief Fund.

LIST OF HOSPITALS WHERE PRMF IS APPLICABLE:

Delhi:

1.AIIMS HOSPITAL

2.INDRAPRASTHA APOLLO HOSPITAL,

3.BATRA HOSPITAL AND MEDICAL RESEARCH CENTRE,

4.DHARAMSHILA CANCER INSTITUTE AND RESEARCH CENTRE,

5.ESCORTS HEART INSTITUTE AND RESEARCH CENTRE,

6.G.B. PANT HOSPITAL,

7.MAULANA AZAD MEDICAL COLLEGE HOSPITAL,

8.NATIONAL HEART INSTITUTE,

9.RAJIV GANDHI CANCER INSTITUTE AND RESEARCH CENTRE,

10.DR. RAM MANOHAR LOHIA HOSPITAL,

11.SAFDARJUNG HOSPITAL,

12.SIR GANGA RAM HOSPITAL,

13.ST. STEPHEN HOSPITAL

Maharashtra:

1.ASHWINI CO-OPERATIVE HOSPITAL AND RESEARCH CENTR

2.ACHARYA VINOBA BHAVE RURAL HOSPITAL

3.BOMBAY HOSPITAL AND INSTITUTE OF MEDICAL SCIENCES

4.CENTRAL INDIA INSTT.OF MED. SCIENCE

 5.PRAMILARAJE GENERAL HOSPITAL

6.DEEN DAYAL MEMORIAL HOSPITAL

7.NATIONAL HEART INSTITUTE,

8.GOVERMENT MEDICAL COLLEGE HOSPITAL

9.GRANT MEDICAL FOUNDATION,

10.INAMDAR HEART HOSPITALS,

11.JEHANGIR HOSPITAL AND MEDICAL CENTRE,

12.JASLOK HOSPITAL AND RESEARCH CENTRE,

13.KEM HOSPITAL,

13.DR. K.G. DESHPANDE MEMORIAL CENTRE,

14.LEELAWATI HOSPITAL AND RESEARCH CENTRE,

15LOKMANYA TILAK GENERAL HOSPITAL,

16.MILITARY HOSPITAL

17.MARATHWADA MEDICAL AND RESEARCH INSTITUTE,

18.DR. BALABHAI NANAWATI HOSPITAL

19.MUMBAI TATA MEMORIAL RURAL CANCER PROJECT

20.N.M. WADIA INSTITUTE OF CARDIOLOGY

21.PD HINDUJA NATIONAL HOSPITAL AND MEDICAL RESEARCH CENTRE

For more hospitals see below:

http://www.medindia.net/financial_help_for_treatment/prime_minister_relief_fund_hospital_maharashtra.asp?name=MAHARASHTRA

Sources:

http://www.cancerhelpnet.in/resources-for-patients

http://www.archive.india.gov.in/howdo/otherservice_details.php?service=11

http://www.pmindia.gov.in/en/pms-funds/

Thanks for reading and please keep visiting our blog to discover and appreciate more Yoddhas. 
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Author- Srishti Jain.
(Yoddhas Ambassador)

WHEN CHILDREN BECOME THE VICTIM OF THE 'CANCER DEVIL'

                                               

We’ve all watched movies where the hero fights the bad guys dodging various obstacles, encountering odds and fighting valiantly to come out victorious in the end.

The bad guy here is ‘Cancer’ and the hero is a little naïve child.

When a child or teen is diagnosed with cancer it comes like a blow to the parents, siblings, and others who love them. The cancer creates a crisis in the normal life of each family member. But just like our movies, it is our responsibility to handle obstacles sportingly and try to emerge out as heroes in the life of our children.

The types of cancers that occur most often in a child are different from those seen in adults. The most common cancers of children are:

• Leukemia - cancers of the blood and bone marrow account for about 30% of all cancers in children. These can cause bone and joint pain, fatigue, pale skin, bleeding, weight loss and fever.
• Brain and Central Nervous System tumors- constitute about 26% of childhood cancers. Most brain tumors in children initiate in the cerebellum. They can cause nausea,headaches, vomiting, blurred vision and dizziness.
• Bone cancer- Osteosarcoma is common in teens, and usually develops near the ends of the long bones in arms or legs. Ewing sarcoma is another type of bone cancer occurring in the pelvic bones, the chest wall or in the middle of the long leg bones.
• Lymphoma -These cancers start in the lymphocytes. They grow in lymph nodes and other lymph tissues, like the tonsils. Lymphomas can cause fever, weight loss, sweats, tiredness and lumps.
• Neurolastoma- starts in early forms of nerve cells found in a fetus and constitute for about 6% of childhood cancer.This tumor starts usually in the belly and can be noticed as a swelling.
•  Nephroblastoma accounts for roughly 5% of childhood cancers. It starts in one or both kidneys. It is most often found in children of the age group of 3- 4 years.
• Retinoblastoma- is a cancer of the eye and makes up for about 2% of childhood cancers. It normally occurs in children around the age of 2.

The family of a child diagnosed with cancer goes through a potpourri of mental turbulence. All parents seem to feel shock,fear, guilt, sadness, anger and anxiety. To add to the stress, parents feel like they are on an emotional roller coaster ride. The daily psychological, physical, financial and mental frustration of dealing with a complex health care system, new places, and many different care providers can also enhance disturbance and anger. 

                                          

There are various methods which parents should adopt while dealing with such a situation:

• Remembering that feelings of panic and shock will pass with time.
• The disbelief and denial that strikes at first can help buffer feelings of agony and stress. Some denial is perfectly normal and not harmful unless it keeps a child from getting the proper timely treatment.
• Having a thorough check of the reputation of the medical center and qualifications of the treatment team.
• Asking for help and getting a second opinion if necessary and reviewing the information.
• Talking with a team social workers working to fight cancer, about their feelings.
• Seeking comfort from family members or friends. Understandably, when unhappy,parents may want to avoid taking part in social activities. But having a break and being distracted from the cancer and its treatment will do everyone good.
• Seeking spiritual support, getting guidance from pastors, using prayer and meditation as a means of stress reliever.

Parents need to take cancer up as a challenge and help their children realize that they will always fight the battle together. Innocent as they are, children need to be properly explained about the disease, its effects and treatments. Different age groups require diverse methods of care and methods of understanding these complexities.

                           

Ages 0 to 3–Are not capable of understanding the term ‘cancer’ and are most afraid that the hospital staff will take them away from their parents and are deathly scared of medical treatments. Parents need to assure them that they will not abandon them.

Ages 3 to 7 - Can understand if the term ‘cancer’is explained in simple terms. Being honest with the child about the various tests , medicines and treatments helps. Also, it must be explained that the doctors are treating them to help make them better.

Ages 7 to 12 - can understand a more detailed explanation of cancer. It is best to be honest with them about pain likely from tests and treatments. Kids at this age tend to hear about information regarding cancer from other sources, such as school, TV, and the Internet. It will help, if the parents and children discuss it together instead of letting the poor kid engulf himself in a shadow of doubts and delusions.

Teenagers–are capable of understanding about a detailed and complex explanation of cancer and may have many related questions. They are likely to think about their cancer in terms of its symptoms and the effect it will have in daily activities, such as friends, school and sports.Teens also may have access to various other sources of information so they may want to play a role in making considerable decisions about their treatment. It is in the best interest to talk honestly with them about the possible side effects.

  

                                           

A brief, single conversation between the parent and child probably won't be enough. Having frequent discussions will help to keep the lines of communication open. Parents should try to be honest and encourage children to inquire about their doubts. Sharing feelings with children gives them support and the faith that their parents were, are and will always be the strongest pillars of their lives.

Cancer can come as a turbulent storm in our peaceful life but we need to stand steadfast in the face of difficulty and show the demon that we will not be deterred by it. 

                    

Yoddhas we are and as Yoddhas we shall fight!

Thanks for reading and please keep visiting our blog to discover and appreciate more Yoddhas. 
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Author- Ivy Sinha
(Yoddhas Ambassador)

YOGA FOR A HEALTHY LIVING,YOGA FOR CANCER

                                                   

Yoga is the practice of creating unity between mind and body. When there's a disconnect between mind and body, our lives move out of balance, causing stress, fatigue and ultimately, illness. When you unify your mind and body through yoga, the reverse occurs. Your body can start to heal and re-balance naturally, helping you to feel healthier, happier and more alive.

Here are a few reasons that yoga helps you heal:

1. Yoga brings attention to your breathing, which is the single most important thing that you do every day.

2. Yoga is a spiritual practice that allows your mind to soften and your heart to open.It can bring your awareness to the tension being held in your body, so that you can let it go.

3. Yoga can help you stay connected to yourself. Its a great way to know what is important for your body and soul.

4. Yoga can help you to gain clarity about things you're working through each day.

5. Yoga can help you move beyond a negative inner-dialogue.

6. Balance poses in yoga invite you to get out of your head and into your body.. There are lots of different styles and levels of yoga allowing you to find the best 'fit' for you

7. Yoga gives you healing tools to better cope with stressful events and trauma.

8. Yoga re-balances your body and can help with weight loss, Premenstrual Syndrome (PMS), inflammation and other chronic ailments.

9. Yoga classes are a great way to meet new, interesting and like-minded people.

10. Creating a regular yoga practice can bring more flexibility and strength to your body. the twists in yoga can help you feel stronger and better able to cope with life's unexpected turns.

11. Yoga supports you to consciously make better and healthier food choices.

12. Yoga opens you up to new feelings like inspiration, joy and gratitude.

YOGA AND CANCER:

                                  

There is no assurance that yoga will cure cancer; however, it may make cancer and its treatment more bearable, both physically and emotionally.

Cancer patients are discovering that yoga offers both an accessible form of exercise and a path to mental clarity that is a welcome addition during and after treatment.

For cancer patients, the breathing and meditative aspects of the practice can create much needed clarity and peace, while the poses themselves provide a beneficial form of exercise during treatment.

As one of the steps on Patanjali’s eight-step path of yoga, pranayama has been practiced by yogis for thousands of years as a way to quiet the mind and tap into the subtle, energetic realms of the body. Prana is a Sanskrit term for the vital life force that animates all things; ayama translates as extension or elongation. Pranayama enables the practitioner to access prana and connect with the vast energetic network of the subtle body by controlling and playing with the flow of breath.

Current research has shown that beyond these subtle effects, pranayama has numerous observable health benefits. Several studies provide evidence that yogic breathing exercises help to induce a relaxed state by enhancing the action of the parasympathetic nervous system (otherwise known as the “rest-and-digest response”).

Researchers at the University of California – San Francisco investigated how the health benefits of pranayama specifically apply to cancer patients undergoing chemotherapy. 

The study had two aims:

1. To determine whether it’s feasible for patients undergoing chemotherapy to practice pranayama

2. To gauge the effect of pranayama on common chemotherapy-associated symptoms (fatigue, sleep disturbance, stress, anxiety, depression) and quality of life (QOL)

The researchers concluded that pranayama is appropriate, beneficial, and can be safely recommended for cancer patients undergoing chemotherapy. Further study in this area will hopefully offer even more definitive evidence of pranayama’s efficacy.

Below are instructions for the four breathing techniques taught to and practiced by patients in the study.

1. BREATH OBSERVATION:

Sit or lie in a comfortable position. Breathe naturally. Avoid forcing, controlling or manipulating your breath. Shift your attention to your breath. Simply observe and experience it without any judgment. You might notice the soft whispering sound the breath creates; how long or short the breath is; how deep or shallow it feels; or where in your body you feel the breath most noticeably. At certain points during this practice, you might notice that your mind is no longer focused on the breath. When this happens, acknowledge that the mind has wandered and gently guide it back to the breath.

2. UJJAYI (Victoriously Uprising Breath):

Sit or lie in a comfortable position. Keeping the mouth closed, inhale and exhale through the nose. Partially close the glottis (the opening between the vocal folds) by slightly constricting the muscles at the back of the throat. The action in these muscles should feel the same as when you exhale your breath onto a mirror to create fog. As the muscles contract, you’ll begin to notice that your breath creates a soft whispering sound similar to the sound of the ocean. Continue to create this sound with the breath and find a steady rhythm, breathing in for the same amount of time that you breathe out.

KAPALBHATTI* (Skull Shining Breath)

                                                            

Sit comfortably in an upright position and bring your attention to your lower belly. It can be helpful to rest one or two hands on the belly below the navel. Breathe in deeply then exhale completely. Inhale about halfway; then begin a series of short, sharp exhalations by pumping the abdomen. After forcing the air out by contracting the abdomen, release the belly and passively inhale. Repeat this several times. Start with however many breath cycles (one inhale and one exhale) you can comfortably do, then relax and breathe normally. Gradually over time, increase the number of cycles.

*Kapalabhati is not recommended if you are pregnant or suffer from high or low blood pressure, glaucoma, cardiac issues, or hernia.

3. NADI SHODHANA (Alternate Nostril Breath):

             

Sit comfortably in an upright position. Spread the fingers of the right hand. Create Vishnu Mudra by curling the right index and middle fingers in towards the palm, while the thumb, ring finger and pinky remain extended. Hold the right hand just beside the nose as you take a deep breath in through both nostrils. Close the right nostril with the thumb then exhale through the left. Inhale through the left, close both nostrils by lightly touching the ring finger to the left nostril and the thumb to the right. Lift the thumb and exhale through the right nostril. Inhale through the right nostril, close both, then lift the ring finger and exhale through the left. Continue for several cycles of breath.

BELIEVE in yourself and go wisely. If you are detected with Cancer in early stages then follow the precautions and rules and see the magic of your spiritualism and yoga. Take care and live well!

Thanks for reading and please keep visiting our blog to discover and appreciate more Yoddhas. 
Feel free to contact the Yoddhas team at team@yoddhas.com 

Lastly,

Praise the Yoddhas; Support the Yoddhas ; Love the Yoddhas!

Cheers!

Author- Srishti Jain.
(Yoddhas Ambassador)

Do I need a "CANCER INSURANCE" - Find out why

Why you should consider a cancer insurance policy?

"You been diagnosed with cancer."
 Nobody would want this even in their worst dreams. The fact, however, is that today's lifestyle has increased the chances of getting cancer. Worse, there are over a 100 types of cancers and any part of the body can be affected. Further, anyone can fall victim to this deadly disease.

In fact, a recent study conducted in Britain by the British Journal of Cancer finds that the lifetime risk of getting diagnosed with cancer has increased over time - from 38.5% for men born in 1930 to 53.5% for men born in 1960. The study concluded that the lifetime risk of cancer for people born since 1960 is greater than 50 per cent now.

In India alone, about 10 lakh people are diagnosed with cancer every year and another six to seven lakh die of it. By 2035, these numbers may almost double to 17 lakh new patients and 12 lakh deaths per annum, according to a special research paper on cancer in India published in Lancet Oncology journal sometime ago.

Moreover, while the probability of getting cancer has increased substantially, the cost of treatment has also gone up many-fold in recent years. In fact, treatment costs now have the potential to wipe out a common man's entire life saving. Worse, the cost of treating cancer abroad can be several times that incurred in India, according to a Times of India report.

This is the reason why comprehensive medical insurance against cancer has become the need of the hour. Although most health insurance policies available in the market today cover almost all major critical illnesses, including cancer, but these policies generally pay only for inpatient hospitalization and for treatment at hospitals in India. They do not cover the entire cost of treatment. Also, the policy amount may not be enough as the common man generally does not go for a health policy of more than Rs 5 lakh. Such limitations may be overcome by opting for critical illness (CI) insurance which is designed to help cover medical expenses that your normal health insurance will not cover.

How to buy your right insurance policy?

Yoddhas is a Cancer support NGO (Regt with 80G,12A) Not-for-profit support community formed by patients and volunteers. It is India’s First Online Support Network for patients. It was started in 2013 by 28 year old patient, Rahul Yadav fighting Multiple- Myeloma a rare form of blood cancer.

We at Yoddhas are working to find various Cancer related insurances policies so that one can pre-emtively  insure and safeguard from the financial needs of cancer treatment.

While we tried studying various insurance policy, we explored various different policies which are active right now and being availed by the public. We also referred to many online websites like PolicyBazar.com and insurancepandit.com to do our comparative studies.

We compared many available policies in India to find out which ones would be best suited for Cancer related cover. Based on our studies these are the four insurance policies where we got a good feedback from the people and we enquired from other patients and people who have either been using or have knowledge about such policies. 

	ICICI Cancer Care Plus	National Insurance+ CPAA Cancer Insurance Policy	National Insurance+ ICS Cancer Insurance Policy	Religare Health Insurance
Eligibility	For anyone aged between 20 and 60 yrs who is not suffering from pre-existing cancer	For members of Cancer Patients Aid Association who are not suffering from pre-existing cancer	For members of Indian Cancer Society who are not suffering from pre-existing cancer	For anyone aged between 20 and 60 yrs who is not suffering from pre-existing cancer
Entry-Exit Age	20 yrs – 60 yrs (renewable up to 70 yrs)	Not given	Up to 70 yrs	20 yrs – 60 yrs (renewable up to 70 yrs)
Sum Assured	Rs 5,00,000 – 25,00,000	Rs 30,000 – 5,00,000	Rs 50,000 or Rs 2,00,000	Rs 15,00,000 – 50,00,000
Policy Term	10 yrs	1 yr	1 yr	1 yr
Premium	For a typical 10 lakh cover -4,604 to 8,945 (for men) 8,602 to 14,845 (for women)Minimum single premium - 1,200 per annum	2,400 to 8,000	Rs 496 (for 50,000 cover) Rs 1,157 (for 2,00,000 cover)	Rs 6482 to 9982(for men and women)
Waiting Periods	For Early Cancer - 12 months from the risk commencement date For Advanced Cancer - 6 months from the risk commencement date Should be able to survive for 28 days from the date of diagnosis	Should be able to survive for 30 days from the date of diagnosis	Should be able to survive for 30 days from the date of diagnosis	Should be able to survive for 30 days from the date of diagnosis

Conclusion

Firstly its always good to be planned for whatever happens. After studying the given policies and as Yoddhas Research Team our feedback is general we can state that the Indian Cancer Society’s policy is very cheap and easily available. Also the maturity amount is not big enough as we know the cost of cancer treatment is high but still the return is much higher if we compare with the premium paid. So as per our research all people should get insured under this policy.

For some selective people who have higher risk of cancer in their family should go for the higher premium policy because of the cost of the cancer treatment. They should get insured under ICICI Cancer care plus Or Religare Health insurance.

Please Note: This is a basic study based on patients and public feedback and secondary data from the various sources. We are not in any manner promoting any particular thing over another. Please do your research to make an informed decision.

Co-Authored By:

Rohit Banka 

Research and HR Consultant

Rahul Yadav 

Founder- Yoddhas and a Blood Cancer Fighter

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References:

www.policybazar.com

www.insurancepandit.com

www.indiancancersociety.org

http://www.cpaaindia.org/

https://www.facebook.com/groups/yoddhathewarrior/ (Yoddhas Patient Group)