Central and State Health schemes

1. Aswasakiranam

   • Financial support for the relative of the patient, who care for them
   • Income is not considerable for Mental patients, autistic patients, cerebral palsy, mental retardation, cancer patients etc.
   • Age limit of the care giver should be 18-65
   • This benefit is also available for those who receive other welfare pensions.
   • Applications for this can be made through the ICDS

2. Cancer care for children

   • It is a financial aid for cancer patients under the age of 18 years those in below poverty line.
   • It provides financial support up to Rs 50,000
   • Financial support is available for long term treatment also
   • List of the hospitals providing treatment:
     • Regional cancer center, Trivandrum
     • Government Medical College Hospitals(Trivandrum, Kottayam, Alappuzha, Thrissur, Kozhikode)
     • General Hospital, Ernakulum
     • Pariyaram co-operative medical college
     • Malabar Cancer Center , Thalasseri & Kannur
     • I M C H Medical college , Kozhikode
     • ICH, Kottayam
   • Contact with Suraksha Mission Counsellors of respective hospitals, contact no : 9645205437, 9645205438

3. Thalolam

   • It is a medical support for children under the age of 18 for chronic diseases.
   • It provides financial support up to 50,000
   • There is no limitation of financial support for advanced treatment.
   • Priority to diseases like kidney failure, heart diseases, ortho related diseases, autism, haemophilia, thalassemia, sickle cell anaemia, gillen Bari, accidents which needs dialysis and major surgeries
   • Special counters are must in hospitals have this scheme
   • List of the hospitals providing treatment :
     • Regional cancer center, Trivandrum
     • Government Medical College Hospitals(Trivandrum, Kottayam, Alappuzha, Thrissur, Kozhikode)
     • General Hospital, Ernakulum
     • Pariyaram co-operative medical college
     • Malabar Cancer Center , Thalasseri & Kannur
     • I M C H Medical college , Kozhikode
     • ICH, Kottayam
     • Sree Chithira Thirunnal Hospital Trivandrum
     • General Hospital Kasargode
   • Contact with Suraksha Mission Counsellors of respective hospitals Contact no : 9645205437, 9645205438

4. Sruthitharangam

   • Surgery for the children in the age group of 0-5 years, who are hearing impaired
   • Speech ability through audio – verbal rehabilitation
   • Assistance for cochlear implantation for children with hearing impairment under the age of 3
   • Medical records to prove the necessity of cochlear implantation
   • Free surgery of cost 5,50,000
   • Income limit – Rs 2,00,000
   • List of the hospitals providing treatment:
     • Government Medical College Hospitals (Trivandrum, Kozhikode)
     • Swanthanam Hospital, Trivandrum
     • KIMS, Trivandrum
     • MIMS, Kozhikode
     • Dr. Manoj ENT Hospital, Kozhikode
     • Dr. Noushad ENT Hospital, Ernakulum
     • Medical Trust Hospital, Kochi
     • West Fort Hospital, Thrissur,
     • Al Shifa Hospital, Perinthalmanna

1. 1. Snehapoorvam

      • Educational assistance for children in the category include orphans, abandon children, children who have lost their parents in war, communal riots, natural disaster, accidents etc.
      • They are not properly fed; they have no shelter, nutritious food, health care, education and any recreation
      • Assistance will give up to degree in government or aided institutions
      • Children below 5 years and class 1 – 5 at Rs 300 per month
      • For class 6 – 10 at Rs 600 per month
      • For class 11 &12 at Rs 750 per month
      • For degree course at 1000 per month
      • Application should be submitted from their educational institutions

   2. Samaswasam 1

      • This scheme is mean for kidney patients belong to BPL families who are undergoing dialysis at least once in a month.
      • Assistance is Rs 1100 per month
      • Documents needed:
        • BPL certificate/BPL Ration card
        • Medical certificate with date of first treatment
        • Copies of bank passbook and identity card
      • Application should be submitted in Child Development Office

   3. Samaswasam 2

      • This scheme is mean for kidney / liver transplanted patients
      • Assistance is Rs 1000 per month
      • Assistance up to 5 years after transplantation
      • Annual Income : up to 1,00,000
      • Documents needed:
        • Copies of discharge sheets, bank passbook and identity card
      • Application should be submitted in Child Development Office

   4. Samaswasam 3

      • Financial assistance for patient with haemophilia
      • Assistance is Rs 1000 per month
      • Annual income is not considerable
      • Documents needed:
        • Medical certificate from medicine/ paediatric/ haematology department of any hospital from the below list:
          • Government Medical College
          • Aluva District Hospital
          • Pariyaram Medical College
        • Copies of bank passbook and identity card
      • Application should be submitted Suraksha Mission Executive Director

   5. Assistance for Differently Abled

      Medical Certificate and ID card

      • Certificates are provided through superintenant of Taluk/ district hospital/ district differently abled rehabilitation center
      • More than 40% of differently abled people are provided with ID Cards besides certificates
      • They also provide periodic improvement certificates for minor defects.

   6. Special Assistance for Differently Abled through District social welfare office

      • Assistance is provided to persons with disabilities below the poverty line support from disability relief fund – No special assistance for treatment
      • Rs 10,000 assistance for marriage of differently abled girls
      • Fee pass for travelling in KSRTC/ Private bus/ City, ordinary, fast passenger buses within the state especially for blind, deaf and mentally retarded persons having 40% disability. They should submit application to the district transport office
      • Necessary equipment for differently abled such as artificial limbs, three wheeled vehicles, wheel chairs, callie purses, crutches, hearing aids, colostomy bags etc. Annual income do not exceed 60,000
      • 10,000 Rs Subsidy for differently abled for three wheeled vehicles
      • Financial assistance for small scale entrepreneurship programmes and also have subsidy ranging from Rs 5,000 – 25,000 for a bank loan 20,000 – 1,00,000
      • Rs 50,000 grant for differently abled lottery agents
      • Educational Scholarship for differently abled children
        Criteria:
        • Class 1 – 8 – Income limit up to 15,000
        • Class 9 and above – Income limit up to 36,000
        • Children studying in Government schools / government recognized schools or colleges are eligible (Those who receiving any other scholarship or disability pension are not eligible)
        • Children should have at least 40% marks in the previous annual exam

   7. Assistance available through Scheduled Caste Development Department

      • Rs 10000 Assistance from District officer and more than 10000 from state officer for chronic illness
      • Posthumous assistance, medical assistance and natural disaster relief assistance from relief fund of backward classes ministers

   8. Snehasparsham for unwed mothers

      • Rs 1000 per month for Health care of unwed mothers
      • Eligibility
        • Applicant should be under 65 years
        • The applicant must be an account holder in a post office
        • Applicant should not be a recipient of any other pension scheme of the Government
        • Documents needed:
          • Attested copy of Aadhar card and ration card
          • Copy of post office account passbook
          • LIFE certificate to be submitted every year in the month of June

   9. Assistance under Kerala Tree Climbing welfare Scheme

      • Rs 20,000 as one time Assistance for injured persons who fell from trees
      • Rs 50,000 as one time Assistance for dependents of person who died by felling from tree
      • Rs 20,000 as one time medical Assistance for unorganized sector workers those who have kidney failure, cancer, tuberculosis and tumour
      • Application should be submitted at Labour office

   10. Society for Medical Assistance to the poor

       • Assistance will give to Cancer Treatment, Kidney Failure Treatment, Ortho related surgeries, Cardiac open surgeries, Angioplasty, Pacemaker, Brain related surgeries and liver transplantation surgeries
       • No limitations for the assistance
       • List of the hospitals providing treatment :
         • Regional cancer center, Trivandrum
         • Government Medical College Hospitals (Trivandrum, Kottayam, Alappuzha, Thrissur, Kozhikode)
         • General Hospital, Ernakulum
         • Pariyaram co-operative medical college
         • Malabar Cancer Center , Thalasseri & Kannur
         • I M C H Medical college , Kozhikode
         • Sree Chithira Thirunnal Institute of Medical Science, TVM
         • Science and Technology, TVM
         • Sree Avittamthirunnal Hospital, TVM
         • EMS Memorial co-operative hospital Perinthalmanna

1. Rashtriya Arogya Nidhi

   • Financial Assistance to patients, living below poverty line who are suffering from major life threatening diseases, to receive medical treatment at any super specialty/ Government hospitals
   • No limitation for medical assistance

2. Karunya Benevolent Scheme

   • Financial aid to underprivileged people suffering from acute ailments like cancer, haemophilia, kidney and heart diseases and for palliative care.
   • The person must be an inpatient

3. Samagra Arogya Insurance Scheme (RSBY & CHIS)

   • Under this scheme family can get medical assistance up to Rs 30,000
   • Up to Rs 2,00,000 as medical support for cancer, heart ailments and kidney diseases
   • Families can submit applications through AKSHAYA

4. Janani Suraksha Yojana

   • Rs 700 as Financial support for BPL Women for their first two deliveries in Government Hospitals (Rs 600 in urban areas)
   • Rs 300 for travel expense

5. Janani Shishu Suraksha Kaaryakram

   • Absolutely free maternal treatment with no financial expense
   • Free treatment for neonatal illness up to 30 days after birth

Conclusion

As a humble step towards assisting the disaster-o//ected familiesin the state to rebuild their lives fromthe ground up in terms of Shelter, WASH, Finance Literacy and Disaster Management, the Habitat for Humanity India together with the Center for Disaster Philanthr Py implemented Housing Support Service (HSS) as a post disaster response in Paravur Taluk of Ernakulam District.

Through HSS, as envisaged, we delivered documentation and technical assistance as well as planning and designing of sustainable construction methods for familiesin the area to reconstruct their homes which were shattered by the unprecedented flood in 2018. In time to come, HSS could be considered as a scaling strategy serving amilies without directly involving in the construction of houses.
In light of the need for creating a resilient pathway or the families,a comprehensiveguidebook encompassing three chapters as Shelter, WASH, and Financial Literocy has been developed. The collection and compilation of the information became possible only through continuous collaboration with grass root level organizations, local Government authorities, Architects, and Engineers associations. Through the guidebook, we have addressed the gaps and needs in the housing sector exclusiveluI Paravur TallJk which can sensitive and influence the policymakers for furtherpolicy development in planning the positive changes in the shelter sector.

We envisage reaching out to all the individuals in Paravur creating awareness regarding Disaster Resi/ient Housing, common practices, methods, and suitable materials in house construction, various Govt. housing schemes, and so on. We, Habitat India and CDP hope that the /irst edition of the handbook on HSS in Paravur Taluk will become an essential /irststeppingstone towards creating a community with strength, stability, and self-reliance.This handbook can continue as a reference for comprehensive shelter, WASH, and Financial IiteracY ractiCes afid will be useful for years to come as it emphasizes on buildingdisaster resilient, healthy and selficient community

Financial Literacy for Financial Inclusion

Housing Sanitation and Financial Literacy

According to the 2011 Census, there were 1.77 million homeless people in India, or 0.15% of the country’s total population. There is a shortage of 18.78 million houses in the country (as per 2011 census). Similarly, India, the world’s second-largest country by population, has the highest number of people (732 million) without access to toilets, according to a new re­ port by Water Aid, titled Out Of Order. It further stated that 355 million women and girls lack access to a toilet. The report also explains open defecation and lack of toilet facility as a major cause for stunting, diarrhoea deaths and anaemia mainly among children below five years of age.

Following are few government schemes under Ministry of Housing and Urban Poverty Alleviation (MoHUPA) for marginalized poor in India to get financial support to build and own house or build own individual household toilets but very few people have awareness on these schemes. Very few of them know about processes and procedures to get access to these schemes. There is a need to create awareness on these opportunities and empower laymen to get access to financial resources.

Pradhan Mantri Awas Yojana (PMAY)

The Pradhan Mantri Awas Yojana was launched by PM Narendra Modi in 2015. Also known as the Housing for All scheme, the mission is to provide shelters to the homeless by 2022. Under the scheme, the Centre would be providing assistance to states and UT to provide homes to every citizen within seven years. The Central government has also announced home loan interest subsidy to those who are buying their first home in urban areas. Under the scheme, the government will provide interest subsidy of three to four per cent for a home loan amount of up to Rs 9 lakh and Rs 12 lakh.

Rajiv Awas Yojna

Launched in 2009, the Rajiv Awas Yojana (RAY) envisages a slum-free India and encourages state and union territories (UT) to bring all illegal constructions within a formal system. To increase the affordable housing stock under the scheme, the Centre has approved the Affordable Housing in
Partnership (AHP) scheme to be part of the RAY. The scheme also provides support of Rs 75,000 per economically- weaker sections (EWS), Dwelling Units (DUs) of the size of 21 to 40 sqm. So far, Rs 1,398 crore has been spent while 37,000 houses are being developed under the scheme.

Pradhan Mantri Gramin Awaas Yojana

Earlier known as Indira Awas Yojna, the scheme focuses on providing pucca houses with basic amenities to homeless families. The objective is to build one crore homes of 25 sqm by 2022. The government shares the cost of construction with the state in the ratio of 60:40 in plain areas and 90:10 for north eastern and hilly areas. The cost for the unit assistance of Rs 1.2 lakh is also provided to the beneficiary.

People who will be benefitted are:

1. Households without shelter
2. Destitute/living on alms
3. Manual scavengers
4. Tribal groups
5. Legally released bonded labour

Sanitation scheme for individuals

Ministry of Urban development provides Rs.4000 to construct a toilet with an additional incentive share from state government under Swatch Bharat Mission. Ministry of Drinking Water and Sanitation provides Rs.12000 as incentive per toilet for construction of individual household latrines. However, individual may need more funds to construct house or toilets as per his and his family priority or for additional services like water and electric connection, water tank fittings, construction of bathroom, tiles in the toilet, additional room or floor, colour or tiles in the house etc. For this one may seek help for financial assistance from different sources if he has knowledge on it.

What is Financial Inclusion?

Financial inclusion or inclusive financing is the delivery of financial services at affordable costs to sections of disadvantaged and low-income segments of society. An estimated 2.5 billion working age adults globally have no access to the types of formal financial services delivered by regulated financial institutions.

There are 5 important A’s in Financial Inclusion:

1. Awareness
2. Availability
3. Accessibility
4. Affordability
5. Adequacy

What is MDI (Monthly Disposable Income)?

Disposable income is the amount of net income a household or individual has available to invest, save, or spend after deducting all expenses including income taxes, debts, liabilities, food expense, school fee, transport expenses, rent etc.

The formula is:

MDI=Net Family Income- Net Family Expenses

How to manage debt?

By managing the balance between income and expenses, we can avoid falling in the trap of debts. If we learn not to spend more than our income we can save money and invest in bank or other options for savings. This way, we can get more returns for our money over a period of time or we can use this money at the time financial crisis instead of borrowing with high interest.

Financial Planning

Taking care of income and expense balance carefully is called financial planning. Let’s understand the picture on essential and non-essential expenses. There are expenses which are mandatory like food, cloths, housing , education, marriage, illnesses etc. but there are expenses which can be controlled like expenses on luxury items like excursions, eating out, parties, liquor or expensive hobbies etc. This way we can save some money to meet exigencies or pay debts. It’s like preserving or saving water for family in a pitcher.

In financial planning we need to plan and determine family goals and then plan savings as well. For example, you want to save money for higher education of your daughter. In the picture the required amount and available time is calculated to understand necessary daily saving. The same can be calculated for months.

Financial diary

After determining the family and personal goals we can also maintain a financial diary to ease financial planning. The Vices can be avoided, Wants can be reduced and needs to be met but should always be limited.

Borrowing

In emergencies when our income is less than our expenses we tend to borrow debt from individuals, institutions and traditional money lenders. The stagnant income doesn’t give us any saving but this debt and associated interest increases burden of loan and repayment. If there is no saving plan and no financial planning, the burden of loan increases day by day,

Options for Borrowing

Banks are reliable, transparent and safe institutions and one should always opt to borrow from banks only. There are reliable and safe organisations at local level like SHGs, local NGOs and financial institutions that facilitate lending with banks. Such organisations not only help to get linked with bank but also provide required guidance and education so that you and money is always safe.

Borrwing for new houses, home improvement and sanitation facility

HFH India provides loan to construct new houses, improve existing houses and to construct toilet facilities, construct bathroom, construct water storing options etc. HFH India also helps to create linkages with banks and financial institutions to get loans. HFH India also has financial education facility for beneficiaries to understand loan, banking, functional literacy for micro financing etc.

Checklist for beneficiaries/end users: To understand housing/sanitation need

One needs to answer few questions before deciding on investing on housing or sanitation infrastructure:

Understanding need for sanitation/housing:

understand the need of your investment or saving? Owning a house is matter of social security, dignity and pride, similarly having own sanitation unit is a matter of privacy, dignity and well- being for the whole family especially women of family. Homeownership can offer many advantages including tax benefits, financial security and pride to own a house. However analyse if you really need to buy house or you are happy with rented house.

Analysing affordability for Housing/construction for sanitation: Analyse all your liabilities and expenses along with income sources. Can you afford monthly instalment with the rent you pay and you have sufficient savings possibilities. Are there options for you to increase family income to afford monthly instalment for long time. How stable is your monthly income and how that can be increased with supplement income or savings.

Incremental construction or progressive housing /Building in stages: You need to plan for construction as per Family’s available disposable income deducting all debts, liabilities, expenses and taxes. You can also plan for incremental construction or construction in stages, for which HFH India construction team can be contacted. The construction plan has to be thoughtful, technically sound and fit to budget and therefore, consultation of field expert is important.

Analysing Credit abilities: Try to understand your credit abilities, some banks and financial institutions do it free of cost. This will also help you to determine down payment for house buying or loan amount.

Tool for beneficiries to reach financial goal for sanitation/housing

There could be 10 steps to reach financial goals by client or beneficiaries:

Pradhan Mantri Awas Yojana (PMAY)

Eligibility:

People belonging to the Economically Weaker Section (EWS), Low Income Group (LIG), Middle Income Group-I (MIG-I) and Middle Income Group-II (MIG-II) are eligible for this scheme. Age of the applicant must be 70 years or less Income range of the applicant must be below Rs. 3 lakhs per annum for economically weaker sections and between Rs. 3 – 6 lakhs per annum for lower income groups Women who are citizens of India are eligible

Beneficiary:

Exception:

An adult earning member (irrespective of marital status) can be treated as a separate household – which means a bachelor availing a loan can also avail subsidy if he/she is buying property in his/her name.

Coverage:

All Statutory Towns as per Census 2011 and towns notified subsequently will be eligible for coverage under the Scheme.

How to apply?

Key features

• Interest subsidy of 6.50%* p.a. up to a loan amount of D6 lakh for 20 years or the actual term, whichever is lower, credited upfront
• Actual subsidy amount credited is as approved by the National Housing Bank (NHB)
• Family means husband/wife/unmarried children
• Applicable for customers who are purchasing/constructing their first home. The beneficiary family should not own any other house in their name.
• The carpet area should not exceed 30 sq. mt. for EWS (annual household income up to Rs. 3 lakh PA), 60 sq. mt. for LIG (annual household income between Rs. 3 lakh to Rs. 6 lakh PA), 120 sq. mt. for MIG-I (annual household income between Rs. 6 lakh to Rs. 12 lakh PA), and 150 sq. mt. for MIG-II (annual household income between Rs. 12 lakh to Rs. 18 lakh PA)
• The construction/extension must be completed within 36 months
• A woman has to be owner/co-owner of the property