Emergency fund assistance is a protective deposit kept ready for your parents so that money is never the reason treatment is delayed. When a hospital asks for an admission deposit at midnight, or an insurance approval is still pending, the fund covers it immediately. Every payment is made against a bill, receipted and reported to you. Available in Mumbai, Pune and Navi Mumbai.
Tell us where your parents live and we will call you back at a time that suits your time zone.
An emergency admission starts with a deposit. Before any treatment begins, somebody at the counter has to pay. That moment does not wait for a bank to open, for an international transfer to clear, or for you to wake up in another time zone.
This is the part families abroad discover the hard way. The insurance will cover it eventually. The money exists. None of that helps at two in the morning on a Sunday, when the hospital needs payment now and your parents are being asked to arrange it themselves while they are frightened.
An emergency fund removes that moment completely. A protective deposit, agreed with you in advance, sitting ready so that help is immediate and the money question is settled before it is ever asked.
Five parts, all of them about making sure the money question is answered before the emergency rather than during it.
The whole point is that nothing has to be arranged in the moment.
The counter where treatment actually starts, and where delay costs the most.
Cover and cash are not the same thing, and the difference is measured in hours.
A fund without a paper trail is a problem rather than a service.
Most of the value is in the conversation you have before the emergency, not during it.
Every family believes they can send money quickly. The problem is not the amount or the willingness. It is the clock.
| WITH A READY FUND | SENDING MONEY WHEN IT HAPPENS | |
|---|---|---|
| Time to arrange | Immediate, the money is already there | Hours at best, often a full working day |
| At night or on a holiday | No difference, the fund does not keep office hours | Nothing moves until banks open |
| International transfers | Not involved in the moment at all | Clearing times, limits and verification calls |
| Who pays at the counter | A Care Manager who is already there | Your parents, a neighbour, or nobody |
| If you are asleep or unreachable | The admission still goes ahead | Treatment waits until you are reached |
| The record afterwards | Bills, receipts and a running statement | Messages and screenshots, reconciled later |
This sits alongside insurance rather than replacing it. Insurance decides who finally pays. The fund decides how fast treatment starts.
This is your parents’ money being held ready on their behalf, so it is worth being clear about who touches it and how it is recorded.
A direct Pranyaas employee, never outsourced to an agency. Background verified, medically assessed and character checked. The person who pays at the hospital counter is the same one who holds your parents’ medical file.
Meet the teamThe fund is administered by our administration team, headed by Komal Khaire, who has been with Pranyaas since 2018, so the record of what was paid never depends on one person’s memory.
Every payment is made against an actual bill, receipts are shared with you the same day, and you get a running record of what the fund has paid and what remains. The amount and what it may be used for are agreed with your family at setup.
Pranyaas is led by co founders Smita Jadhav, who has over 12 years in the healthcare sector, and Shweta Jadhav. The company has over 10 years in elder care and has supported more than 3,000 families.
Read our storyThe fund is set up alongside a care plan and can be arranged entirely remotely.
We talk through what an admission typically costs at hospitals in your parents’ city, what their insurance covers and where the gaps are, and you decide the amount. You can change it at any time.
The fund is held as a protective deposit for emergencies only. It is not spent on routine bills, medicines or monthly care, which are handled separately.
When an emergency happens the Care Manager pays at the counter, treatment begins, and you get the bill, the receipt and an updated balance the same day, along with what it is likely to cost from here.
Insurance decides who finally pays. The fund decides how quickly treatment starts. Families abroad usually discover that difference at the worst possible moment.
The money is already in the country, already available and already with the person who is standing at the hospital counter.
A fund is only useful if a trusted person is physically present to use it. Your Care Manager is dispatched in the same window as the emergency call.
Nobody should be organising a bank transfer while they are frightened and unwell. The payment question simply does not reach them.
The same team runs the cashless desk and the claim, so the fund bridges the delay and the reimbursement comes back into it.
Payments are made against actual bills and the receipts come to you the same day, with a running record of the balance.
The fund is set by your family, not by us, and you can raise it, reduce it or close it whenever you want.
Emergency fund assistance is a protective deposit agreed with your family rather than a monthly plan feature, so it is set up alongside whichever Pranyaas care plan your parents are on. It is most often taken together with emergency care assistance, because a fund with nobody present to use it solves only half the problem.
The fund is money set aside for your parents’ emergencies. It is not a charge, not a premium and not credit. What is not spent stays theirs.
You decide it after we have talked through what an admission typically costs in their city and what their insurance covers. It can be changed at any time.
The fund is most effective alongside emergency care assistance, where a Care Manager is dispatched within 15 minutes and is at the counter to use it.
Care plans start at Rs 199 a month for Care Connect and run to Rs 14,999 a month for Premium, billed monthly with no lock in. The fund sits alongside any of them.
Compare all plansI am highly delighted with Ayushya Healthcare and Pranyaas elder care services. Excellent support 24/7, a qualified and experienced team, and staff whose behaviour is really impressive.
Living abroad, I always worried about my parents in Pune. Pranyaas takes care of their daily needs, doctor visits, and even small joys like outings and birthdays.
Families in Mumbai, Pune and Navi Mumbai, with children in the US, the UK, Canada, Singapore and across India.
Read more family storiesAsk us anything before you subscribe. The consultation is free and takes about ten minutes.
Call us 24/7It is a protective deposit kept ready for your parents so that money never delays treatment. The amount is agreed with your family at setup and held for emergencies only. When a hospital asks for an admission deposit, or an insurance approval is still pending, your Care Manager pays it at the counter immediately. Every payment is made against an actual bill, the receipt is shared with you the same day, and the balance is reported to you.
That is decided with you rather than fixed by us. On the setup call we talk through what an emergency admission typically costs at hospitals in your parents’ city, what their existing insurance covers and where the gaps are, and you set the amount from there. It can be raised, reduced or closed at any time.
No. It is a reserve set aside for your parents’ emergencies, not borrowing and not a charge. What is not spent remains theirs, and every payment made from it is backed by a bill and a receipt.
Unexpected medical and urgent personal emergencies, with the scope agreed with your family at setup. It is deliberately kept separate from routine spending. Monthly bills, medicines and regular care are handled under payment and expense management rather than drawn from the emergency fund.
You are told immediately, with what has been paid and what is still needed. The insurance claim and cashless approval are pursued in parallel, the hospital’s own payment options are used where they help, and you can top the fund up. The aim is that treatment is never the thing waiting.
Every payment is made against an actual bill, the receipt reaches you the same day, and you get a running record of what the fund has paid and what remains. Wherever the situation allows, you are told before a payment is made rather than after.
No, and it is not meant to. Insurance decides who finally pays for the treatment. The fund decides how quickly treatment starts, by covering the deposit and the gap while a cashless approval is still pending. The reimbursement from the insurer comes back into the fund afterwards, and both are handled by the same team.
Our teams work on the ground in Mumbai, Pune and Navi Mumbai, which is where a Care Manager can be at the hospital counter in person. Setup is done remotely in about ten minutes, which is how most families living abroad arrange it.
A 24/7 desk and a Care Manager at the hospital within the hour.
View this servicePolicies read, renewals tracked and the claim handled at the hospital.
View this serviceRoutine bills, bank errands and household payments handled and receipted.
View this serviceAvailable where our teams work on the ground: Mumbai, Pune and Navi Mumbai. Living abroad? See elder care for NRI families.
Tell us where your parents live and what cover they already have, and we will talk through what is worth keeping ready. No lock in, and a Care Manager is assigned with the first home visit within 48 hours.
Certified caregivers and dedicated Care Managers who look after your parents at home in India, while you are away.