Is EMI Payment Available for SMILE Eye Surgery in Bangalore?

Dear Prerna Tikoo ji,

Yes, you able to pay for SMILE eye surgery through EMI in Bangalore. Medical financing options are available for selected eye procedures through providers by participating eye hospitals. However, approval depends on your eligibility and the hospital's financing arrangements. No-Cost EMI is not guaranteed at every hospital.

Types of EMI Options Available

• No-Cost EMI / Zero-Interest EMI: Some participating hospitals and financing providers offer No-Cost EMI for eligible procedures. The available tenure and terms depend on the specific offer.
• Credit Card EMI: Depending on your bank and the hospital's payment facility, you able to convert the bill into monthly instalments. Interest and processing fees may apply.
• Medical Loan: Medical financing providers may offer loans for eligible eye procedures. Approval, interest rates, repayment tenure and required documents depend on the lender.

SMILE Eye Surgery Cost in Bangalore

The cost varies according to the hospital, laser technology, type of procedure and whether one or both eyes are treated. Published estimates from Bangalore providers give the following guidance.

Illustrative EMI calculation: For a ₹1,00,000 treatment bill divided into 12 equal instalments at 0% interest, the payment would be approximately ₹8,333 per month, excluding any processing fees or other charges. Actual EMI terms may differ.

Documents Commonly Required for EMI

• Aadhaar card or another accepted identity document
• PAN card, if required by the lender
• Income proof, such as salary slips or bank statements, where applicable
• Registered mobile number and address details
• Hospital estimate or treatment quotation

What to Check Before Choosing EMI

1. Check whether the hospital offers EMI specifically for SMILE eye surgery.
2. Check whether the offer is genuinely No-Cost EMI or includes interest and processing fees.
3. Check the repayment tenure, down payment and total amount payable.
4. Check whether pre-operative eye tests, medicines and follow-up visits are included in the quoted package.
5. Complete an ophthalmologist's evaluation to determine whether SMILE surgery is suitable for your eyes.

Important: SMILE is a vision-correction procedure and is generally not covered by standard health insurance unless specific policy terms provide coverage. EMI is a financing option, not insurance coverage.

Wishing you and your family good health always.
Warm regards,
Team Hexahealth