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You can apply for assistance fromPrime Minister’s relief fund (PMRF) for reimbursement of cancer treatment expenses.PMNRF provides financial assistance to indigent patients for treatment of major diseases at Government/ PMNRF empanelled hospitals to partially defray the expenses. Disbursements are made with the approval of the Prime Minister.Applicants can apply for grant of financial assistance through an application form addressed to the Prime Minister.Applicants, applying for grant of financial assistance for medical treatment, are required to enclose1. two passport size photographs of patient (one pasted on application, another stapled with application),2.copy of residence proof3. original medical certificate incorporating the type of disease and estimated cost of expenditure and4. copy of his/her income certificate.All these original certificates have to be sent to “ The Honorable Prime Minister, Prime Minister Office, New Delhi-110011.”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.If you are eligible for PMRF, you will get an approval letter from PMO which usually takes about a month.Cancer treatment related expenditure incurred after the approval date can be claimed by the patient by sending original receipts to PMO through the hospital.Usually around 50% of a patient’s expenditure gets reimbursed.You can also apply under —Health Minister’s Discretionary Grant (HMDG)Financial assistance is provided under HMDG to the poor patients with family income less than Rs.1,00,000/- annually and suffering from major illness and undergoing treatment in Government Hospitals/ Institutions, to defray a part of the expenditure on hospitalization/treatment, in cases where free medical facilities are not available.Criteria laid down for sanctioning grantsThe broad criteria laid down for sanctioning such grants are:Reimbursement of expenditure already incurred is not permissible.Prolonged treatment involving recurring expenditure is not permissible.Financial assistance is not admissible for diseases of common nature where treatment is not expensive.Financial assistance is not admissible for T.B. cases for which free treatment is available under National T.B.Control Programme.Cases for treatment in private hospital are not entertained.Central as well as State Government employees are not eligible for grant under rules.Only those having annual family income up to Rs.1.00,000/ - and below are eligible for financial assistance from Health Minister’s Discretionary Grant (HMDG)Financial assistance limits are as follows:Rs.50, 000/- if the estimated cost of treatment is up to Rs. 1, 00,000/- .Rs. 75,000/- if the estimated cost of treatment is above Rs. 1,00,000/- & up to Rs. 1,50,000/-.Rs.1, 00,000/- if the estimated cost of treatment is above Rs.1, 50,000/-.Application processTo avail financial assistance under HMDG, the patient is required to submit :A copy of the prescribed proforma application duly filled in by the treating Doctor/HOD and duly countersigned by the Medical Superintendent of the Hospital from where the patient is receiving the treatment, to be submitted to the Ministry of Health & Family Welfare.A Certificate in original from the BDO/ Tehsildar/Collector /SDM (quoting full name, designation, telephone number and complete official address of the certificate issuing authority) regarding occupation and monthly/yearly income of the applicant and his/her family members from all sources.Copy of the ration card.For more details, contactDirector (Grants), Ministry of Health & Family WelfareNirman Bhavan, New Delhi - 110 011Tel : 23063481/23061731Another scheme is ——Rashtriya Arogya Nidhi (RAN)The RAN was set up in 1997 to provide financial assistance to patients, living below poverty line prescribed from time to time and who are suffering from major life threatening diseases related to heart, liver, kidney and cancer cases, etc., to receive medical treatment at any of the super specialty Government hospitals / institutes or other Government hospitals.The financial assistance to such patients is released in the form of ‘one time grant’ to the Medical Superintendent of the hospital in which the treatment is being received.Revolving Funds have been set up in 12 Central Government hospitals/institutes and amount up to Rs. 50 lakh is placed at their disposal for providing financial assistance.Accordingly only cases for financial assistance beyond Rs. 5 lakh would now be required to be referred to Ministry of Health and Family Welfare, Government of India.For patients suffering from life threatening diseases, where time is a premium, this would facilitate commencement of treatment of poor patients found prima facie eligible for assistance under the Scheme by these hospitals/institutions.This would also enable to curtail the procedural delay for treatment, which would bring relief to thousands of patients annually.Also see RAN - Health Minister’s Cancer Patient Fund (HMCPF)Under the Health Minister’s Cancer Patient Fund (HMCPF) the criterion is as under:Financial assistance is provided to patients, below poverty line suffering from Cancer and undergoing treatment in any of the 27 Regional Cancer Centres.The financial assistance to the Cancer patient up to Rs. 1, 00,000/- (Rs. 1.00 Lakh only) is processed by the Institute/Hospitals concerned through the revolving fund placed at their disposal. The cases of financial assistance above this limit are to be referred by the Hospitals for assistance from Central funds.The following criteria have been fixed for providing financial assistance to poor patients:The applicant has to submit an application in the prescribed proforma duly filled in by the treating Doctor/HOD and countersigned by the Medical Superintendent of the Hospital (Government Hospital) where the patient is receiving the treatment, along with income certificate in original from the BDO/ Tehsildar/Collector /SDM. The details of family members in case of BPL applicants i.e. attested copy of ration card.The Directorate General of Health Services (Dte.GHS) technically appraises the proposal and thereafter, the approval of the Competent Authority is obtained for granting financial assistance to the eligible patient. A cheque of the admissible amount is issued to the hospital, which is required to submit utilization certificate to the Ministry.To avail financial assistance under HMCPF, the patient is required to submit :Application form in prescribed proforma duly signed by the treating doctor and countersigned by the Medical Superintendent of the Government hospital/institute/Regional Cancer Centre.Copy of the income certificate.Copy of the ration card.Revolving Funds have been set up in 27 RCCs and funds upto 50 lakhs are placed at their disposal for providing treatment upto Rs. 5 lakh in each case.Cases involving treatment beyond 5 lakh are referred to Ministry of Health & Family Welfare, Government of India for providing funds.Source: Ministry of Health and Family WelfareRelated resourcesApplication Form for financial assistance under Rashtriya Arogya Nidhi and Health Minister’s Discretionary Grant (HMDG)FAQs on RAN 67Hope the above information is useful for you and helps you get the required treatment with the assistance provided by the government. My best wishes to you for early recovery of your father.

Going anonymous because I am an ex-Infoscion and I do not want this answer to come back and bite me later.First things first, acquisition of more number clients is not a concrete measurement of popularity. Yes, it does speak about the brand value, especially when you are a client or a potential client of the organization. Coming to the main points:Lack of Trust between Employer and Employees - In any organization, the employer (i.e. higher management) and employee work in a business relationship. The employee delivers the job and adds value to the organization, while the latter gives salary and career growth in lieu of the market value added. However, no business relation lasts if there is a distrust in the relationship. In case of Infosys, all the strict regimentation type policies (especially taking approval for every petty thing, monitoring of working hours, excessive security checks as if one is going inside a CIA building) give a feeling that the company and its top management are insecure or probably paranoid of their employees violating service agreements and policies. Yes, there have been incidents where the employees have violated policies for personal benefits (data espionage and theft), but that does not mean everyone who is joining the company is joining for the purpose of fleecing and looting the organization. It is as ridiculous as branding all members of a certain faith as terrorists. In fact, before Vishal Sikka became CEO, even sites like Google were restricted during working hours. The justification for such draconian policy given by the upper management and HR was that, Google contains links to objectionable content that is in violation to company policies !! Come on; no sane person on the planet would join India’s second largest IT bellwether, only to watch porn or play online games on corporate network during working hours !! If such an employee exists on payroll, then the first question is who hired him/her and why. The lack of trust or paranoid management brings to the second point.Unfriendly & Rigid HR policies - The HR policies are way too employee unfriendly and rigid. They are like rules that meant to be followed, even to the peril of life. One perfect example is the policy related to allocation and transfer, and many Infoscions/Ex-Infoscions would definitely agree to it. Employees are randomly posted as per ‘Business Requirements’ by the HR and no further justifications are given. Getting a transfer to a location near your hometown is more difficult than getting a confirmed Tatkal ticket during Diwali holidays, because it involves countless arguments, follow-up’s and escalations with reporting manager, delivery manager, unit HR, lead HR, project manager of other project in desired location, delivery manager of other project in desired location, Unit HR of the other unit, etc. etc. One of my fellow ex-Infoscion did wanted a transfer to her hometown as her mother was terminally ill. But, the hierarchy of managers and HR kept on making false promises and delaying the matter till the lady literally absconded to attend her dying mother. It was only after applying bereavement leave and producing the death certificate of her mother, that she got the transfer to her hometown. This type of treatment to an employee, who virtually slogs day and night, so that people in the upper management could dabble with their shares/stocks/debentures, is not only unethical, but also inhuman. And, the HR’s who enforce such policies are no better than an uneducated person devoid of human compassion, despite having qualified from top B-Schools of India. If the company cannot handle 2 lakh employees, then why did they hire them in the first place ?? This facade of modern day slavery in the rhetoric of employment generation is nothing but a farce.Lack of Transparency and Opaqueness of Policies - In Infosys, there are many policies, way too much than the Indian Constitution. For instance, the policies related to performance appraisal, bonus and variable pay are too much opaque and most of its implementation is left to the whims and fancies of the middle managers. In fact, the offer letters do not clearly mention the salary package one would get in-hand after joining. During probation, regardless of how much value one adds to the organization, the performance rating is ‘default’. This means, the variable pay associated with this ‘default’ rating is just above poor appraisal. Hence, one practically never gets the CTC as mentioned in the offer letter (sometimes the written CTC on offer letter, only if one is getting outstanding performance rating and the given business unit has done good business in market; for all other cases, it is less than the written CTC). In other words, this lack of transparency in policies, opaqueness in implementation and the idea of too many hidden T&C (i.e. making commitments that cannot be honoured in a real life scenario) gives the company a notorious reputation of being an unprofessional recruiter/employer.Incompetent Middle Management - As they say, “People don’t leave companies, they leave managers”, even with the above points, this is a major cause of attrition. Infosys, destroyed its one time USP of being a very selective recruiter recruiting the best talent in the market and became a mass recruiter recruiting anybody and everybody to get the headcount right. As a consequence, many people became middle managers, practically overnight, without having the proper technical/people skills. In my tenure, I have worked under managers who don’t even know the difference between rounding off a number to nearest decimal and truncating the digits after decimal point. There exist Technical Leads, who are totally ignorant about the basic OOP concepts like polymorphism and inheritance. For them, re-usability of code is just Ctrl+C and Ctrl+V from some another already written source code file. The only skills they have is to make unrealistic commitments to the clients/upper management/onsite coordinators and pass the implementation headache along with responsibilities to the junior developers. Working under a non-technical glorified post-man exchanging mails between client and developers is a huge turn-off for anybody who is inquisitive to make a career in IT by learning new things. Honestly speaking, such work environment slowly erodes whatever conceptual clarity and knowledge, the developer has gained during the much touted Mysore training.Vindictive Managers and Dysfunctional HR - This is a byproduct of the above point. The technically challenged middle managers are the ones who are most vindictive by nature. They not only harass employees by awarding poor performance appraisal ratings or denying them their legitimate leaves or transfer requests, but also make the employees work for extended hours/weekends. There is a total disrespect for an employee’s personal time and life. As a matter of fact, it was only after a female employee was murdered inside the Pune campus in Jan 2017, the culture of working on weekends got somewhat minimized. Besides, the HR is either a toothless tiger or hand-in-glove with the middle management, which is corroborated by employees working on weekends/extended working hours. Though, officially, there is a policy that working beyond 8pm generates an automated mailer to the reporting manager which requires his/her written approval, but the implementation is such that the manager can choose to ignore it, until it gets auto-approved by the system. So, in actuality, the HR department is totally a dysfunctional department, whose personnel draw fat paychecks for drafting fancy colourful mails for Ethnic Day, Diwali, Dushhera, Roadshow, Flash Mobs etc.Low Salary and Hidden Charges - Being an outsourcing company, it would be unfair to expect a decent salary from Infosys, but at least it has to be in sync with the inflation figures of the economy. The entry level salary is still stagnated at 3.25 lpa since the last 10 years or so, while the inflation has grown multiple times. In fact, Infoscions do have something called as a “Fixed Dearness Allowance” in their payslip. This Fixed DA is a contradiction in terms, as the meaning of dearness allowance is the component of salary, which compensates for the inflation in the economy. So, how can the DA component of the salary be a fixed figure for the last 5 years or so ?? Besides, basic amenities like multilevel parking are also chargeable, and the same amount is deducted from salary every month. It is as ridiculous as your maid servant pays you money, from her salary, for coming to your house and doing your household chores !! These types of hidden charges are a violation of transparency and do validate the recent corporate governance issues raised by N.R.Narayanmurthy. During my tenure, even we used to pay money every quarter for “Project Party Fund”. It is only in my present organization that I learnt that the funding for team-building activities like team outings and project parties comes from the revenue and profit the company earns in quarters. This forced contribution in the name of “Project Party Fund”, is nothing but a form of white collared extortion scheme.Excessive Bureaucracy - As someone in Quora has rightly pointed out that, what Infosys proudly calls as “Process”, it is actually a heavy bureaucracy. So many policies, so many protocols and so many approvals and their approvers, it becomes a headache to deliver the job properly, despite tight deadlines. Allocation of a computer needs multiple follow-ups and an admin privilege needs Delivery Manager’s approval along with screen-shots/mails of the softwares that require admin privileges. There are so many portals in the local intranet, that, to do something basic like installing a licensed copy of Microsoft Visual Studio, one needs to raise a myriad of requests and do subsequent follow-up. Same is repeated when an employee leaves the company and the computer, desk phone etc. are deallocated. In my tenure, I have seen people running from pillar to post for getting clearances/approvals even on their last working day. In fact, the bureaucracy is so much heavy, that it took me almost 45 minutes just to register my resignation in the system, reason being, I was reporting to 5 managers at one time (one for approving my leaves, one my reporting manager as per the company records, one for approving my attendance related issues, one for looking my project related approvals and the last one for approving my resignation) and the system was not accepting any of their ID’s as a valid approver for my resignation process.With these above points, the work culture is so horrible that, any person having an iota of self respect, dignity, integrity and creativity would start suffering from severe physical and mental health problems. In my case, I developed migraine headaches and was on the verge of becoming a patient of clinical depression. The consistent stressful work environment (not stressful because of the work, but because of the way the work is done) coupled with an employee unfriendly toxic suffocating work environment, creates powerful psychological after-effects like acute irritation and irrational anger problems.So, how can such a company, which systematically destroys an individual’s mental, logical, analytical and creative capabilities piece by piece, have a good image, despite having huge number of clients ?

You have no idea how ridiculous it sounds when someone who has their car stolen tells their homeowners insurance company that they had what amounts to 3 whole bedrooms of stuff in their car at the time it was stolen. Sometimes including $1,000′s of jewelry, even though homeowners policies limit jewelry, unless you added additional unscheduled jewelry $1,000/piece or set such as earrings or scheduled specific pieces with an appraisal at the time that you added it.You bet that adjuster is going to want PROOF that: 1) that it even existed; & 2) will probably inspect the house to insure that the claimant doesn't still have it.The auto portion on the other hand the documentation is the milage because mileage affects the current value of the car. The difference on for example a 5 year old car between one with 45,000 miles & one with 110,000 could be anywhere from just a few thousand dollars on a really inexpensive car to tens of thousands of dollars on a high end luxury car. And, of course, if it was stolen you will need the title, both to prove that you own the car (insurable interest) and so that you can transfer ownership over to the insurance company.Life insurance requires a depth certificate or presumed dead + missing for 7 years. Health insurance requires a claim form completed by the provider (hospital or doctor) which A) proves that they treated you & tells the company what services that they provided.Each & every type of claim requires a proof of something. Insurance companies are there to protect you, but they ate their to be a lot machine that you spin the wheel hoping for a huge payoff, a windfall profit so to speak. They are there for one of two reasons: 1) to make you whole again, to pay the bill on your behalf, OR protect you from an economic loss, liability, life insurance or disability income.