Receiving a breast cancer diagnosis is life-altering. While your primary focus should be on recovery and maintaining emotional strength, the financial challenges that come with treatment can feel overwhelming. Chemotherapy, radiation, surgeries, medications, follow-ups, and supportive care—these can add up quickly. However, with thoughtful financial self-care, managing these expenses becomes a little more manageable.
For Indian readers facing this journey, here are some compassionate tips to help ease the financial burden without compromising on your care.
1. Know Your Treatment Plan
Understanding your treatment roadmap is the first step toward financial preparation. Once your doctor provides a detailed plan, you can estimate costs for surgeries, therapies, medications, and follow-up tests. This allows you to plan your expenses better and reduces the anxiety of unforeseen bills.
2. Explore Government and NGO Support
India offers several government schemes for cancer patients. For instance, the Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PMJAY) provides financial aid to families with limited income. NGOs like the Indian Cancer Society and CanSupport also offer financial and emotional assistance. Don’t hesitate to reach out—they’re there to help.
3. Health Insurance Matters
If you already have health insurance, review your policy to understand what it covers—hospitalization, medication, and post-treatment care. Some plans also include critical illness riders specifically designed for diseases like cancer. If you're uninsured, it’s worth exploring specific cancer insurance policies. Many insurers in India now offer policies that provide lump-sum payments upon diagnosis.
4. Budget Smartly
Cancer treatment often requires sacrifices, but with smart budgeting, you can manage better. Prioritize medical expenses, and try to cut down on non-essential spending. Simple steps like cooking at home instead of ordering out, carpooling for hospital visits, or delaying luxury purchases can make a significant difference.
5. Crowdfunding as a Lifeline
In India, platforms like Ketto and Milaap have emerged as lifelines for those struggling with medical expenses. Sharing your story honestly and seeking support from your community can be a humbling yet empowering experience. Remember, people are more than willing to help when they see a genuine need.
6. Invest in Affordable Medication
India’s generic medicine market offers high-quality alternatives at a fraction of the cost of branded drugs. Pharmacies under the Jan Aushadhi Yojana provide affordable medicines. Ask your doctor if generic options are suitable for your treatment.
7. Plan Travel and Accommodation Wisely
If your treatment requires you to travel to another city, plan your stay smartly. Look for affordable guesthouses or NGO-run accommodations near hospitals. Opt for train travel or book flights during sale periods to cut travel costs.
8. Build an Emergency Fund
If possible, create a small buffer by setting aside funds for unexpected medical or living expenses. This might seem challenging, but even small contributions from friends or family members can go a long way in easing sudden financial pressure.
9. Lean on Your Support System
Your family, friends, and loved ones want to help—let them. They can support you emotionally and financially, even if it’s as simple as driving you to appointments or helping with household chores. A shared burden is easier to bear.
10. Stay Mentally and Emotionally Resilient
Financial stress can take a toll on your mental health, especially during a challenging time like cancer treatment. Practice self-compassion, seek emotional support from loved ones, or join local or online support groups. Keeping a positive mindset helps you navigate financial challenges with greater clarity.
Dr. Pragati Singhal
