Cost should not decide your treatment
Our counsellors work through insurance, government schemes, assistance and payment plans with you — so the plan your oncologist recommends is the one you can afford to start.
No documents needed for the first conversation.
Where the money can come from
Most patients use more than one. The first conversation works out which.
Your health insurance
The largest source of cover, and the most under-claimed.
- We read your policy and tell you plainly what it covers
- Daycare chemotherapy is covered by most modern policies — no 24-hour admission needed
- We handle pre-authorisation and the follow-ups with your insurer or TPA
- Cashless where your insurer allows it, reimbursement where it does not
Government schemes
National and state programmes that fund cancer treatment.
- We find which you qualify for and file the application with you
- Many can be combined with insurance
- The schemes themselves are named below
Charitable and NGO assistance
Trusts and funds that cover part of the cost.
- Referrals to cancer-focused trusts and foundations
- Help writing and documenting the application
- Usually what closes the gap after insurance and schemes
Payment plans and medical loans
Whatever is left, spread over time.
- 0% interest medical loans through verified lending partners
- Instalment plans structured around your treatment cycles
- Applied for while treatment is being planned, not after it starts
Programmes that fund cancer treatment in India
Public programmes, not Everhope offers. We check which apply to you and help you file.
Ayushman Bharat PM-JAY
Who qualifies: Families identified as eligible under the national scheme
Hospitalisation cover at empanelled hospitals, with set packages for chemotherapy, surgery and radiotherapy.
Health Minister's Cancer Patient Fund
Who qualifies: Patients below the poverty line being treated at recognised cancer centres
Assistance released through the treating hospital.
Prime Minister's National Relief Fund
Who qualifies: Patients in financial distress, on application
Discretionary grants toward major medical treatment.
State illness assistance funds
Who qualifies: Residents of states that operate one
Most states run one. Haryana, Delhi and Uttar Pradesh each have their own rules.
CGHS, ESI and employer cover
Who qualifies: Government employees, pensioners and ESI-covered workers
Treatment cost reimbursement or cashless access under your existing employment or pension scheme.
Scheme rules, ceilings and eligibility change. Everything above is checked against the current rules for your case before anything is filed — nothing on this page should be treated as a confirmation that you qualify.
Three steps, starting with a conversation
- Talk to a counsellorYour diagnosis, your policy if you have one, your situation. Bring nothing.
- We map every optionA written picture of what insurance covers, what you qualify for, and what is left to fund.
- We file, you start treatmentWe file and chase the paperwork, so funding runs alongside treatment instead of delaying it.
Documents that speed everything up
Not needed for the first conversation — useful once you know which routes apply.
- Diagnosis and biopsy or pathology reports
- The treatment plan your oncologist has recommended
- Your insurance policy document and card, if you have one
- Photo ID and address proof for the patient
- Income certificate, for scheme and assistance applications
- Ration card or BPL certificate, where a scheme requires it
Common questions
Does this cost anything?
No. Financial counselling at Everhope is part of your care, not a separate service you pay for.
I do not have health insurance. Is there still anything for me?
Yes. Government schemes, charitable assistance and payment plans all exist for exactly this situation, and are the routes our counsellors spend most of their time on.
Will sorting out the money delay my treatment?
It should not. Pre-authorisation and scheme applications are started while your treatment is still being planned, so the two run alongside each other.
Is daycare chemotherapy covered by insurance?
Under most current policies, yes. Daycare treatment no longer requires a 24-hour hospital admission to be claimable, though the details vary by policy — which is the first thing we check for you.
Can I combine a government scheme with my insurance?
Often, yes, depending on the scheme and the policy. Working out the right order to claim in is part of what the counsellor does.
What if there is still a gap after everything?
That is what the payment plans are for. Tell the counsellor the number you can manage each month and the plan is structured around it.
Start with the conversation
Bring the diagnosis and your questions. We do the rest.