Various funds, such as PM CARES, CM Relief Fund, Disaster Fund, and other ministerial funds, are created from public donations and taxes to provide emergency relief to people in the event of sudden, unforeseen accidents or calamities. It is like an insurance help and is very special. But often, funds are used to fulfil political or personal motives. Sometimes, the place and status of effects also play a role. The fact is that there is no clear parameter for grant relief; it depends on the will of the granting leaders. Recently, awarding relief to COVID-19-affected doctors in Delhi may be the right example, as there was no uniform way to grant relief.

Indirectly, it can be said that the grant of relief is not done judiciously by the authorities, which is sometimes called the misuse of public money.

Natural justice holds that every citizen, regardless of class, must be compensated according to a formula. So, a national relief law and a single government council under the PM’s supervision must be established to regulate relief.

1 A big relief fund may be created through compulsory contributions by citizens, cess, CSR contributions and insurance companies’ contributions, etc.

2 A national relief commission must be formed to prepare a national relief policy.

The fund may be managed directly by the PMO through the District Magistrate.

The relief should be granted in a fixed amount, depending on the affected person’s financial category, under predefined conditions.

3 The relief should not be granted at multiple levels.

4 The PM Suraksha Bima yojana, including life and accidental insurance for a minimum amount as per relief requirement, should be enforced compulsorily for

all citizens between the age band of 18 to 70 years through individual accounts in the banks.

5 A citizen card must be issued to the citizen with an Aadhar number, which may contain all grants and subsidies given to him.

6 In case of citizens having multiple bank accounts, the citizen may choose and register any one account for the purpose.

7 All hit and run schemes, insurance schemes taken by various departments for their customers, should be closed to prevent multiple expenses and provide relief.

8 The various legal liability compensations and independent paid insurance compensations should remain unaffected by the relief.

9 The medical insurance should also be made mandatory for each family for an initial hospitalisation cover of Rs five lacs, and the premium contributions must be compulsory recovered through a bank. However, premiums may be subsidised for the financially lower group. OPD services must be provided free of cost in government hospitals and on a fixed OPD fee by private hospitals. Only the expenses above the free medical or through medical insurance should be considered, either from the compensation fund or by the courts, whichever the case may be.

10 All hospitalisations must be controlled by the government TPA through the medical code to the tune of a maximum of five lacs. All payments must be linked to Aadhaar for future statistical purposes.

13 The legal liability in case of liability policies should be fixed minimum and maximum as per the financial category of the deceased, without consideration of dependability, age.

14 Minimum 10% of the award amount should be paid by the offender; otherwise, the offender should be prosecuted and jailed for a minimum of six months. It will be helpful to reduce the number of careless and wilful offenders.

15 No compensation should be paid towards social security relief to the citizens in the above category V.