Health Minister's Discretionary Grant (HMDG)
Financial assistance to poor patients suffering from serious diseases where free treatment is not available in government institutions.
Sum Insured / Cover
Up to ₹1.25 Lakh Financial Aid
Annual Premium
100% Free / Government Funded
Claim Settlement
99.0% (Direct Government Grant)
Network / Scope
500 Empaneled
✦ Key Benefits & Policy Coverage
Financial assistance to poor patients suffering from serious diseases where free treatment is not available in government institutions.
What is Missing: Critical Policy Exclusions & Limitations
Eligo disclosure: Private insurance agents and official ads rarely mention these limitations. Verify before relying on this coverage.
Direct reimbursement only to government hospitals.
✦ Eligibility Requirements
Citizens with annual family income up to ₹1,50,000.
✦ Application, Enrollment & Claims Process
1. Verify medical diagnosis at designated government medical college or Center of Excellence.
2. Submit medical committee recommendation and Aadhaar.
3. Financial clearance or cashless voucher issued.Official Portal
Official Government / PSU Portal
Apply or verify on the official administrative domain
✦ Documents Checklist
Medical Board Certificate, Diagnostic Reports, Aadhaar Card, Income Certificate / Ration Card.
✦ Life Situations Where This Scheme Helps
Underwriting Entity & Public Grievance Contact
Administering Body:
Government of India