Medical Loan with Zero Cost EMI: Apply Online Now!

Get Consultation for 50+ diseases across india

Get surgery today & pay later with many EMI options available

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Happy Patients


JCI & NABH Hospitals


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Medical Loan with Zero Cost EMI: Apply Online Now!

Medical Loan Eligibility Checker

Specialities and Surgeries Covered by HexaHealth's EMI Financing

Ophthalmology (Eye)

General Surgery

Liver Transplant

Weight Loss Surgery






Plastic Surgery


20 More+

How to Apply for a Medical Loan with Zero Cost EMI?

You can use the following steps to apply for financial assistance for medical expenses from HexaHealth.

Document Required for a Medical Loan

You must know the required documents needed to apply for a medical loan.

ID Proof

Income Proof

Salary Slip

Address Proof

Employment Proof

Eligibility Criteria for Zero Cost EMI Medical Loan

If you need a personal loan for a medical emergency, understand the eligibility requirements listed below.

Age Criteria: 18-65 years old

Must be a resident of India

Minimum income: Salary of at least Rs. 15,000

Self-employed or salaried professional

Credit score: Minimum 700+

Difference Between Regular EMI and Zero cost EMI

There are general differences, and specifiy terms may vary depemding on leaders or financial institution offering the EMI options. It's important for individuals to carefully read the terms and condition before opting for either type of EMI.

Regular EMIHexaHealth Zero Cost EMI

12% to 15% Interest

0% Interest

Total Amount Paid - Higher than the Treatment Fees

Total Amount Paid - same as than of the Treatment Fees

Borrower pays both - Principal and Interest

Borrower pays only the Principal

Bank or Credit card companies provide EMI

Usually, brands, retailers or NBFCs provide No Cost EMI

Heavy paperwork leading to stress and inconvenience

Hassle-free and stress-free as all the paperwork is handelled by HexaHealth team

Why Choose HexaHealth?

Frequently Asked Questions (FAQ)

Medical Loan is a financing option designed to help individuals manage healthcare expenses with ease. It offers zero-cost EMI options for various clinical procedures and treatments.

You can finance your treatment cost through:

  • Health insurance (cashless / reimbursement mode)
  • Pay as per your convenience (possible payment modes- cash / UPI / debit card / credit card / net banking / NEFT / RTGS)
  • Pay in EMIs (at 0 interest rate, no additional charges) with your debit card, credit card or eNACH through NBFC

Zero cost loan is easy to apply, just follow the steps below:

  • Share your PAN card, AADHAR card, and bank statement documents.
  • We will verify your loan eligibility.
  • Once approved, you can plan the hospitalisation through HexaHealth.
  • You need to complete the loan application digitally via OTP.
  • The treatment cost will be disbursed to your treating hospital.
  • Then avail your treatment & get discharged post in-hospital recovery.
  • Timely reminders about the due date of your EMI auto-debit are scheduled so you can maintain sufficient balance.

You need to consider the aspects such as:

  • Treatment cost
  • Types of treatment (elective / critical illness)
  • Tenure of repayment
  • Current residence proof

Medical loan is available to salaried and self-employed individuals with a specified income criteria. The eligibility may vary based on factors such as credit history and loan amount.

The cost of critical surgeries may go over ₹50,000 or even exceed ₹4,00,000. The patients / families can claim it from the insurance company after the treatment if they don’t have cash available. Insurance companies generally settle the reimbursement claim in 30-45 days. We fund patients for their in-patient (IP) bill during discharge and recover it after the claim settlement by the insurance company.

Medical Loan can cover various health expenses, including surgeries, treatments, diagnostics, medication costs, hospitalisation, and other related charges.

The documents required include identity proof such as Aadhar card, PAN Card, and income documents (3-month bank statement).

The minimum expenditure covered by medical loans depends on your loan eligibility, income, credit history, and other factors.

Once you submit your application and documents, we will review the same to determine your eligibility. Upon approval, you will receive the loan offer detailing the terms, including the zero-cost EMI options. You can get the status of your loan approval within 30 mins of sharing your details.

Medical Loan Eligibility Checker

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