Is EMI Payment Available for PCNL Kidney Stone Surgery in Kolkata?

Dear Ujjwal Jangra ji,

Yes, you able to pay for PCNL (Percutaneous Nephrolithotomy) surgery through EMI in Kolkata. No-cost EMI options is also available, depending on your eligibility and the financing provider's terms. This allows you to divide the treatment cost into monthly instalments instead of paying the entire amount at once.

The cost of PCNL surgery in Kolkata generally ranges from ₹55,000 to ₹1,15,000, with an average cost of around ₹95,000. The final cost depends on the size and location of the kidney stone, the complexity of the procedure, the hospital, the room category, and the investigations required before surgery.

What EMI options are available for PCNL surgery?

• No-cost EMI: You may be able to pay in monthly instalments without additional interest, subject to the financing provider's terms and eligibility criteria.
• Down payment: Whether you need to pay an upfront amount depends on the EMI plan available to you.
• Monthly instalments: The amount you pay each month depends on the total treatment cost, repayment period, and approved financing plan.
• Health insurance: PCNL may be covered under your health insurance policy, subject to its terms, medical necessity, and approval. Ask your insurer whether the procedure is covered and whether cashless treatment is available.
• Remaining expenses: If insurance does not cover the entire bill, ask the hospital or financing provider whether EMI is available for the remaining amount.

What should you check before choosing EMI?

Before confirming your treatment, ask the financing provider about the interest rate, processing fees, down payment, monthly instalments, and repayment period. Also, request a detailed estimate of the surgery cost from your urologist.

A urologist will assess your kidney stone's size and location and determine whether PCNL is the right treatment for you. The final treatment cost and available EMI options should be confirmed before proceeding.

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