Kavita, 32, lives with her husband, Deepak, and their two children in a single-room home in an informal settlement in India. Their space is small, but their hopes for their family are big. Both parents work tirelessly to ensure their children — Aaravi and Naitik — can access the education they never had.

Growing up, Kavita watched her parents struggle to pay for even basic medical care. She remembers the fear of not knowing how they would afford treatment. She promised herself her children would never face that same insecurity.

But when her father-in-law suddenly became paralysed, those fears returned instantly.

The doctor told me a large amount had to be paid immediately. Hearing this made me very scared… we didn’t have the money. I kept wondering how we would manage."

With no savings and no options, the family faced impossible choices: high-interest lenders, selling their few valuables, or pulling their children out of school.

An emergency health loan helped her father-in-law access affordable local care

Everything changed when Kavita learned about Opportunity’s local partner and the Health Finance Hub in her community.

Through the Hub, she accessed an emergency health loan and her father-in-law received immediate treatment and therapy.

The doctors said he would be bedridden for six months. But with the loan, he received treatment and therapy, and he was walking again in just four days.

This is the power of Health Finance: it protects families from catastrophic medical debt and keeps them on the path out of poverty.

Support from Health Finance Hubs for a second medical crisis

Months after her father-in-law recovered, Kavita’s husband, Deepak, received a cancer diagnosis. But this time, she wasn’t alone.

“The Health Finance Hub doctor guided me and coordinated my husband’s care. The doctor didn’t just focus on the loan; she cared about my wellbeing,” said Kavita.

With support from the Hub, Kavita could focus on her family and not on the fear of losing everything. Today, Kavita dreams boldly for her children.

What we couldn’t achieve in life, we want to give to our children.

Her story reflects what becomes possible when families have access to the right tools at the right time.

And the model works. In our pilot communities, Health Finance Hubs have already delivered:

• 99% repayment rate on health loans
• 65% reduction in out-of-pocket medical expenses
• Thousands of families protected from catastrophic health costs

After three years, each Hub becomes self-sustaining, and repaid loans are recycled to help the next family in crisis.

The need is urgent — and a solution is ready

Right now, countless families are still one illness away from losing everything. But together we can change that.

Your gift before 30 June can help launch the next five Health Finance Hubs — protecting the dignity and future of families like Kavita’s.

Please consider giving today.