Hospital Financial Assistance


Financial assistance may be required for following categories and their source of funding accordingly will vary as under:-

  1. Entrepreneurs and hospital managers building, renovating, expanding or acquiring hospitals. Depending upon requirement of funds one can obtain funds from any sources: Venture Capital Firms, Private Equity, Banks.

  2. Community needing financial assistance for OPD and inpatient treatment : Apartment from general and health insurance products from private insurance companies, central and state governments have introduced many health insurance schemes, particularly targeting the people below poverty line and in unorganised sectors like farmers. Few of these are :


Health Insurance Schemes:

Central Government Health Insurance Scheme - Rashtriya Swasthya Bima Yojana :

A central government-run health insurance scheme for the poor people in India was launched on 01 April 2008. It provides for cashless insurance for hospitalization in public as well private hospitals. It has been implemented in 25 states of India. A total of 23 million families had been enrolled as on February 2011. The RSBY is a project under the Ministry of Labour and Employment.

Andhra Pradesh :

Government of Andhra Pradesh established Aarogyashri Health Care Trust for providing health insurance to poor needy population of Andhra Pradesh

Eligibility – Scheme is open to the whole family spouse, dependent children and dependent parents.

Tamil Nadu Government Health Insurance Schemes :

Schemes is to provide comprehensive health care assistance to the Employees of Government, Local Bodies, Public Sector Undertakings, Statutory Boards and State Government Universities and their family members with provision to avail assistance up to Rupees two lakhs .New Health Insurance scheme extended wef 11- 06-2012.

Gujarat State Government Health Schemes :

Gujarat government introduced healthcare and health insurance schemes for 1.8 crores poor who can be treated free for critical diseases. The state will also provide a health insurance cover of up to Rs 2 lakh per family to the economically weaker sections. It will also bear part of the transportation cost of the poor.

The Gujarat State government, Mukhyamantri Amrutam (MA) Yojana :

Gujarat, will cover surgeries for cardiovascular diseases, neurosurgery, burns, polytrauma, cancer (Malignancies), renal and neo-natal diseases. The state government will empanel public, private and trust hospitals for the conducting surgeries. It will cover 38 lakh families classified as Below Poverty Line (BPL).

Integrated Insurance Scheme in Gujarat –SEWA :

Community Based Health Insurance Scheme run by NGO Self –Employed Women Association (SEWA) is based in Ahmadabad .

The Yeshasvini Health Insurance Scheme - Karnataka :

The Yeshasvini Health Insurance Scheme was launched in 2003. It was developed by the Narayana Hrudayalaya Foundation in association with the Department of Cooperation, Government of Karnataka to cater for 17 lakh farmers. The scheme is self-funded and does not have insurance cover from any insurance company. Mow it covers three million people in the state, open to all income groups in rural areas provided the applicant has been a member of any cooperative society for at least six months. It costs Rs 210 a year per family member and covers 805 surgeries in 446 network hospitals. The hospitals offer medical consultation for free and diagnostic facilities at a discount. In cases involving hospitalisation, the trust clears the bill via a third party administrator. In 2011/12, Yeshasvini Trust settled bills worth Rs 60.27 crores against 77,738 surgeries.

The Karnataka State Rashtriya Swasthya Bima Yojana ( RSBY) :

Initially the scheme was meant for those below poverty line (BPL) , but was alter extended State has planned to roll out 64 kb smart cards for weaker sections of society but was later was extended to domestic helpers, vendors and others . Across the country , more than 30 lakh smart cards have been issued and in Karnataka about 17.5 lakh residents have been issued the cards.

Maharashtra Government Health Insurance Schemes :

In late 2011, the Maharashtra government introduced the Rajiv Gandhi Jeevandayee Arogya Yojana covering about 490,000 people in eight districts. In August Maharashtra Government issued orders for implementation of the Rajiv Gandhi Lifesaving Health Scheme (RGLHS). The RGLHS provides health insurance to 20 million poor people in state of Maharashtra.

AHPI is making an endeavour to take up with the government for providing some form of insurance cover for providing financial cover /assistance for road traffic accident victims so that they can get treatment in hospitals.