Haridasa Chandrika Foundation

Arogya Seva

Health Insurance coverage for the "Missing Middle"

Missing Middle

Over 400 million Indians—the "Missing Middle"—are just one medical emergency away from financial ruin. Earning ₹2–₹6 lakh annually, they are too rich for government aid (like Ayushman) but too poor to afford private insurance. They are living on the edge of financial catastrophe. They are just one medical emergency away from severe financial hardships!!

"Arogya Seva" initiative bridges this gap by providing financial assistance to buy health insurance for the needy families. We identify beneficiaries based on their financial needs, typically those with annual incomes between ₹2-6 lakhs.  

Last year we provided full health insurance coverage to 72 such families. Thanks to wonderful support from our donors.  Previous year's beneficiaries have been quite thankful for all the support received.  Insurance coverage has helped them during emergencies such as maternity, critical surgery, accidents.  List of beneficiaries is available upon request. Sample feedback here

It is now time to renew annual health insurance policies for our supported families. We invite you to join us in our sixth-year campaign with renewed enthusiasm.

• Your Impact: With ₹2000 or $20 per month, you can provide a gift of full health coverage for a family of 6 (couple + children + elderly parents). If you would like to pay annually, consider Rs 24000 or $250.
• Direct Support: 100% of your donation goes to insurance premiums—zero execution costs

Tax Benefit: All donations are 80G tax-deductible in India 501(c3) tax-deductible in the USA

Corporate & Social reach

We are looking forward to Corp and Govt support in extending help to all families in the "Missing Middle". Here is our pitch deck to potential collaborations.

Building a broader group

In addition, you are also welcome to transition your existing Indian health policy to our group policy. This helps build a low cost, common group policy in the coming years. For details, please contact our insurance agent (phone: +91 95918 10302)

For Kannada version click here:  ಕನ್ನಡ ಆವೃತ್ತಿ

 FAQ