How to Get Medical Loan if you Don't Have Health Insurance


Medically reviewed by

Bajaj Finserv Health

Aarogya Care

4 min read

Key Takeaways

  • Over 80% of Indians do not have a health insurance cover
  • The Health EMI Network Card acts as a loan for medical treatment
  • Get a pre-approved loan for medical expenses up to Rs. 4 lakh

Over 80% of Indians still do not have health coverage, as per a National Sample Survey [1]. Lack of finances often causes delay or compromise while availing needed medical treatment. However, you can get a loan for medical expenses by meeting a lender’s eligibility criteria. An easier way to access such medical loans is to avail of the Bajaj Finserv Health EMI Network Card.

This Health EMI Network Card acts like a personal loan for medical expenses. It offers a pre-approved limit of up to Rs. 4 lakh. You can use it to pay for a wide range of medical expenses including cardiac surgery and oncology treatments. This digital card allows you to repay the amount utilized in low-cost EMIs over a flexible period. This way, you can get healthcare with ease and convenience.

Read on to learn more about the medical loans <span data-contrast="auto">offered via the Digital Health EMI Network Card.Additional Read: Important Tips on How to Port your Health Insurance Policy

How the Health Emi Network Card Work as a Personal Loan for Medical Emergency

  • Pay in Convenient Emis

You can use the Bajaj Finserv Health EMI Network Card at any of the 5,500+ partner clinics, hospitals, and wellness centers across more than 1,000 cities in India. Using it you can pay for the cost of hospitalization, diagnostic expenses, and pharmacy bills in EMIs. You can split the total bill over a period of your choice up to 24 months. This helps you reduce your upfront expense and allows you to pay in easy installments.

  • Pre-Approved Offer

The Health EMI Network Card has a pre-approved limit of up to Rs. 4 lakh. You can utilize this amount as a loan for medical expenses. This card also helps you get special discounts and complimentary benefits from partners. For instance, you get a personal accident cover of Rs. 1 lakh for 1 year for free when you sign up for this card!

loan for medical expenses
  • Instant Approval

This card gets activated instantly when you apply. This helps you address any urgent treatment with ease. This card comes with a loan for medical treatment<span data-contrast="none"> based on your profile. If you already have the Bajaj Finserv EMI Network Card, you can apply for this health EMI Card online. The digital process helps you become a cardholder from the comfort of home. As a new customer too, you can get this card conveniently from any partner clinic or pharmacy and use it at once.
    • Protection for the Whole Family

With this Health EMI Network Card, you can cover the medical costs of your entire family. This includes your parents, spouse, children, and siblings. Use this single card as a personal loan for medical emergency to address the needs of your whole family!
  • Wide Range of Medical Treatments Covered

This card covers over 800 elective and non-elective treatments [2]. Some of these include general surgery, diagnostic care, oncology treatments, cardiac surgery, and maternity care. The medical loans you avail for these treatments can be converted into convenient EMIs.

  • Numerous Partners

Bajaj Finserv has partnered with over 5,500 clinics, hospitals, diagnostic centers, wellness centers, and health institutes across India. Some of the prominent partners include: 

  • Apollo Hospitals 
  • Manipal Hospitals 
  • Dr. Batra’s 
  • Sahyadri Hospitals 
  • Ruby Hall Clinic
  • VLCC
  • Columbia Asia Hospitals 

You also get a discount on various treatments, medical equipment and medications in many of the leading hospitals and pharmacies when you use your card.

loan for medical expenses

Eligibility Terms of the Health Emi Network Card

Existing Bajaj Finserv EMI Network Cardholders can avail the Digital Health EMI Network Card without submitting any documents. If you are new to Bajaj Finserv, you can avail this EMI financing at any of the partners by submitting KYC documents and a NACH mandate.

How to Avail the Bajaj Finserv Health Emi Network Card

As an existing Bajaj Finserv EMI Network Cardholder, you can apply for the Health EMI Network Card online. Follow these steps.  

  • Click on “Apply now”
  • Verify yourself with the registered mobile number.
  • If you are eligible, you can view the loan offer and make an online payment.  

That’s it!

Additional Read: Making a Health Insurance Claim? Follow These Simple Yet Important Steps

As you can see, applying for the Bajaj Finserv Health EMI Network Card is easy. Using this card, you can access a loan for medical treatment at any of the network partners and avail healthcare when needed. You can view this digital Health EMI Card on the Bajaj Finserv Health app. You can also book an online doctor consultation here and address all your symptoms immediately. This way, you can address all your healthcare needs in one place right from your smartphone!

Published on 21 Oct 2021Last updated on 14 Dec 2022

Please note that this article is solely meant for informational purposes and Bajaj Finserv Health Limited (“BFHL”) does not shoulder any responsibility of the views/advice/information expressed/given by the writer/reviewer/originator. This article should not be considered as a substitute for any medical advice, diagnosis or treatment. Always consult with your trusted physician/qualified healthcare professional to evaluate your medical condition. The above article has been reviewed by a qualified doctor and BFHL is not responsible for any damages for any information or services provided by any third party.


Health Videos

Mobile Frame
Download our app

Download the Bajaj Health App

Stay Up-to-date with Health Trends. Read latest blogs on health and wellness. Know More!

Get the link to download the app

Google PlayApp store