Medical Fund

Objective of the Program

  • To provide financial help to treat seriously ill Kashmiri Pandits from refugee camps in India.


Since 1989 KOA started getting letters from Kashmiri Pandits (KPs), mostly from Jammu refugee camps, asking for financial help to treat their seriously ill relatives. The illnesses ranged from the damaged kidneys needing replacement, cancer, heart disease, diabetes, asthma to severe depression. In most of the cases the treatment was going to be provided outside Jammu, as the illnesses could not get appropriate treatment by the Jammu medical establishment. In 2002, KOA thought that a better way to run this program was to have a dedicated committee run it in an organized way. In 2003, the KOA Medical Fund, as the committee was called, was established during erstwhile KOA President Sanjay Kaul.

Program Operation

An applicant asking for the Medical Fund assistance, or someone filling the application on his behalf (for some stated reason), has to go through KMECT in India.

Apply through KMECT and download application form by clicking here.

KOA Medical Fund Program
KOA Medical Fund Program

 Medical Assistance Over The Years (2001-2015)

Medical Assistance


Dr. Dhiraj Kotwal, TX

Dr. Dhiraj Kotwal

  • Private practice internal medicine: Milwaukee, WI, 1999-2005
  • Infectious diseases fellowship: Medical College of Wisconsin, Milwaukee, WI, 2005-2007
  • infectious diseases private practice, Dallas, TX, 2007 to date

Dr. Chand K. Bhan, Andover, MA

Dr. Chand BhanDr. Chand K. Bhan was born and raised in Srinagar. He has received training in general internal medicine and psychiatry. He came to the US in 1974, moved to Massachusetts in 1978, and has been in private practice ever since. Chand ji has been involved with KOA since its inception in the late seventies and has been a life member for over 10 years. He has raised money for the Shreya Bhat memorial hospital in Jammu, run under the leadership of Dr. K.L. Chowdhry. He personally visited the facility and saw patients from its camps in 2007. He witnessed the severe health problems in our community first hand. He has been a member of the KOA medical program since 2005 when it was initiated and took over as the program director in 2007. His mission is to serve and give back to the KP community.