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Cost & financial support

Patient Assistance Programs — for Targeted Therapy Drugs in India

The cost of targeted therapy drugs can be reduced significantly — sometimes to zero — through named government schemes and manufacturer programs. Knowing which program applies to your prescribed drug is the first question, and your oncology counsellor can answer it.

Medically reviewed by Dr. T. Raghavender Reddy, Medical Oncologist, MBBS · DM (Medical Oncology) · MD (Radiation Oncology) · Last reviewed August 2026

  • Government schemes exist — PM-JAY and state Aarogyasri programs cover listed cancer treatments at empanelled hospitals at no cost to eligible families.
  • Manufacturers run their own programs — Most major manufacturers operate patient assistance programs for patients below an income threshold.
  • Generics reduce cost substantially — CDSCO-approved generic versions of several targeted therapy molecules are available at a fraction of branded prices.
  • Your counsellor does the legwork — CION oncology counsellors identify applicable schemes, gather documents, and submit applications on your behalf.
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Several named programs exist to reduce the cost of targeted therapy drugs in India — some can bring it to zero for eligible families. Government schemes include PM-JAY and state Aarogyasri programs. Most major drug manufacturers also run patient assistance programs. Your CION counsellor identifies which apply to your prescription and submits applications on your behalf.

What does targeted therapy cost, and what can bring it down?

Access routeIndicative monthly out-of-pocket (2025–26)Notes
Branded drug, no scheme₹50,000 – ₹3,00,000+ depending on drug classWide variation; ask for a month-by-month figure before your first cycle
CDSCO-approved generic equivalentSubstantially less than branded — ask your oncologist for the generic nameNot all molecules have approved generics; availability changes as patents expire
PM-JAY / Ayushman Bharat (eligible families)₹0 for covered procedures, within ₹5 lakh annual family ceilingCoverage is procedure-based; confirm whether your treatment appears on the PMJAY package list
Telangana Aarogyasri / EHS₹0 for listed cancer treatments at empanelled centresRation card or government employee identity required; coverage list updated periodically
AP YSR Aarogyasri₹0 for listed cancer treatments at empanelled centresCoverage list is updated; confirm current status with your counsellor before assuming eligibility
Manufacturer patient assistance program (eligible)₹0 or heavily subsidised for that specific drugIncome-linked; applies only to that company's branded drug; approval takes days to weeks

How do the main schemes compare?

PM-JAY / Ayushman BharatAarogyasri (Telangana)YSR Aarogyasri (Andhra Pradesh)Manufacturer PAP
Who qualifiesFamilies in SECC database below income thresholdRation card holders — white or pink cardRation card holders below income thresholdIncome-linked; BPL card not always required — varies by company
What is coveredListed secondary and tertiary hospital proceduresListed cancer surgeries and treatments at empanelled hospitalsListed cancer treatments at empanelled hospitalsThat manufacturer's specific branded drug only
Annual ceiling₹5 lakh per family per year (indicative)No annual cap for listed conditionsNo annual cap for listed conditionsUsually no fixed cap while eligible — confirm with the medical representative
How to accessPM-JAY card; Ayushman desk at empanelled hospital before treatmentAarogyasri desk at empanelled hospital before treatment startsAarogyasri desk at empanelled hospital before treatment startsThrough your CION counsellor or oncologist via the company's medical representative

What will this actually cost you?

Costs depend on the regimen, the number of cycles and your scheme eligibility. Send your reports and we will give you an itemised, indicative estimate.

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How do you apply for a patient assistance program?

  1. Get the prescription in writing

    Ask your oncologist for a prescription that names the drug by its international non-proprietary name (INN) as well as the brand name. PAP applications require the exact drug name and dose.

  2. Tell your CION counsellor the drug name

    They will check which government schemes and manufacturer programs apply to your specific molecule and what the income threshold is for each one.

  3. Gather your documents

    Most schemes require Aadhaar, income certificate from a revenue officer, ration card or BPL card, last three months of bank statements, diagnosis letter, and prescription. Your counsellor will give you the exact list for each scheme.

  4. Submit through the right channel

    Government scheme registrations happen at the hospital's Aarogyasri or Ayushman desk before treatment starts. For manufacturer PAPs, your counsellor or the medical representative submits the application to the company.

  5. Wait for confirmation before collecting the drug

    Government desk approvals are usually immediate. Manufacturer PAP approvals can take a few days to a few weeks. Do not start the cycle until you know the outcome — submit as early as possible so there is no delay.

  6. Ask about alternatives if the first option does not apply

    If no scheme covers your drug, ask specifically about CDSCO-approved generics, other manufacturers' programs for similar molecules, or a referral to a social worker for NGO support.

What can your CION counsellor actually do for you?

Your oncology counsellor at CION is the starting point for every financial query. They know which drugs have active manufacturer programs, which schemes your centre is empanelled for, and what documents each scheme requires.

They can submit PAP applications on your behalf, liaise directly with the company's medical representative, and flag when a generic equivalent exists that reduces the same conversation to a simpler one. If your situation needs more than a scheme can provide, they refer you to CION's social work team.

Tell them your household income and which documents you have available at the first meeting. That conversation takes fifteen minutes and can prevent months of unnecessary out-of-pocket spending.

What if no scheme covers your situation?

Ask your oncologist specifically whether a CDSCO-approved generic equivalent exists for your prescribed molecule. For several targeted therapies, Indian manufacturers have launched generics at substantially lower cost, and the option is not always raised unless you ask.

Some charitable trusts and NGOs — including the Indian Cancer Society — provide partial financial assistance for drug costs. Your counsellor or the hospital social worker can make that referral.

If cost is forcing you to skip or delay doses, tell your oncology team before it happens. That is a clinical matter, not just a financial one — there may be scheduling adjustments or alternative regimens that preserve the treatment outcome while reducing what you pay each month.

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Common questions

Frequently asked questions

Which targeted therapy drugs have patient assistance programs in India?

Most major manufacturers running targeted therapy drugs in India operate some form of patient assistance program, though the eligibility criteria and process change periodically. The reliable way to find out is to ask your CION counsellor for the current program for your specific prescribed molecule — they track which programs are active, what the income threshold is, and how long approval typically takes. Do not assume a drug has no program without checking, because availability changes as companies update their CSR policies.

Do I need a BPL card to apply for a manufacturer PAP?

Not always. Many manufacturer programs assess eligibility on income rather than requiring a BPL card specifically. Some accept an income certificate from a revenue officer, a bank statement, or a self-declaration where formal documentation is hard to obtain. The exact requirement depends on the company and can differ from one program to the next. Ask your counsellor what each specific program accepts before assuming you are ineligible because you do not have a BPL card.

How long does a manufacturer PAP approval take?

This varies by manufacturer and by how complete your documents are when you submit. Some programs confirm within a few days; others take two to four weeks. Submit as early as possible — ideally before you need the first cycle — so that approval does not delay your treatment start. Your counsellor can usually tell you the typical timeline for the specific company whose program you are applying to.

Are CDSCO-approved generics as effective as the branded drug?

CDSCO approval requires a generic to demonstrate bioequivalence to the reference branded product, meaning it delivers the same active molecule at the same dose. Your oncologist will know which molecules have approved generics and whether switching is clinically appropriate for your situation. If you are considering a switch, ask your oncologist directly rather than substituting on your own — some targeted therapies have narrow therapeutic windows where consistency between cycles matters.

Can I use PM-JAY at a CION centre?

This depends on whether your specific CION centre is empanelled under PM-JAY and whether your treatment appears on the PMJAY listed procedure package. Empanelment and package lists are updated periodically, so the current position is best confirmed with your CION counsellor rather than from older information online. If your centre is not empanelled for your specific procedure, they can also advise whether a nearby empanelled centre is an option.

What documents should I bring to my first counsellor meeting?

Bring whatever you have from this list: Aadhaar card, ration card or BPL card, income certificate from a revenue officer, last three months of bank statements, the oncologist's prescription, and your diagnosis letter or treatment summary. You do not need all of these to start — the counsellor will tell you exactly what each applicable scheme requires once they have identified which ones fit your situation. Coming with what you have is better than waiting until you have everything assembled.

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