Before helping with an advice i would need to get my facts straight.
He has a corpus of cash of approx Rs. 50L and he is beneath taxable limit ?
Its difficult to understand mathematically because considering even if spends 40% of his yearly income on personal maintenance then also he will take atleast 20 years to accumulate the amount. And if he is sufferring from this disease since past 10 years then why didnt he deposit the funds before ?
Please get back to me on this with all the facts you can accumulate to help me find a way out for you.
Trust this clarifies your query.
Feel free to call / get back in case of further clarifications.
Rohit R Sharma
BCOM, ACA, LLB-GEN, CERT. FAFP