Do you not have enough money to get your necessary surgery done?
Now in India, it is not everyone’s cup of tea to get expensive treatment and operation done. Now in India, there are only a few people who can get their expensive treatment and operation done. But a good thing for us is that now in 2025, many banks, financial companies and such health care platforms have come up in India, which are providing us very good options like medical loans or paying the cost of our treatment in EMI.
For this reason, today we will know through this Blog:
- What is a medical loan?
- How does the EMI option work?
- Which are the 7 most trusted providers in India?
- comparison table
- Which documents are required?
- And along with all this, you will also get a CTA to download a free guide.
What is a medical loan?
A medical loan is a type of personal loan. Which you get in case of any health-related emergency, like any surgery, your treatment or it is given to cover your ICU expenses. The best thing about this is that it gets approved quickly, we don’t have to do much to get it approved, and along with this, we also get the option of EMI, which makes it easier for us to repay.
How does the EMI option help you?
This option becomes a profitable option for you when your hospital does not provide you with a cashless facility or your insurance claim is rejected, at that time, it comes to your use. This EMI option divides your treatment expenses into months, due to which you get a lot of help.
Example:
- Surgery up to ₹2 lakh – EMI of ₹8,000 per month (up to 25 months)
- Here, some financers also give you 0% interest (processing fee may be applicable)
Top 7 Medical Loan and EMI Options in India (2025)
1. Bajaj FinServ Health EMI network card
- In this, you get the facility of getting EMI without taking a loan
- Benefits of a 1,000+ hospital network
- No-cost EMI facility is also available
Benefit: medicine, diagnostic test and hospital bill cover
Special: It is necessary to apply for the card in advance
2. Tata Capital Medical Loan
- your Loan ranging from ₹75,000 to ₹25 lakh
- Interest rates starting from 7.99%
- EMI period from 6 to 72 months
Benefits: Online approval is received within 5 minutes
Documents: Aadhar card, PAN card and bank statement
3. HDFC Bank Personal Loan for Medical Emergency
- Loan ranging from ₹50,000 to ₹40 lakh
- Interest rate starts from 10.50%
- money will be transferred to your account in 1 day
Benefits: This is a special offer for those with salary accounts
EMI Calculator: It is available on the official website of HDFC
4. Money Tap Medical Emergency Line of Credit
- Flexible Credit Facility
- 1.08% interest per month
- EMI starts from ₹2,000
Special: Instant access to its app
Benefits: The more you use it, the more benefits you get
5. Pay Sense Instant Personal Loan
- Loan starting from ₹5,000 up to ₹5 lakh
- EMI facility from 3 months to 60 months
- Facilities like uploading documents online
Benefits: approval within 48 hours
Special: Subscriptions like EMI reminder and auto-pay are also available
6. Loan Tap Medical Personal Loan
- Loan facility from ₹50,000 to ₹10 lakh
- instant disbursement
- step-up EMI facility also
Benefits: Your EMI may increase later, depending on your income
Special: Your credit score should be 650+
7. Clix Capital Medical Loan
- In this, you get a loan ranging from ₹ 1 lakh to ₹ 10 lakh
- In this, you get a paperless process
- Along with this, you also get flexible EMI plans
Benefits: This is very beneficial for you. It is very useful during times like surgery and health emergencies.
Documents: as little paperwork as possible
Comparison Table: Top Medical Loan Options (in 2025)
Company Name
Bajaj FinServ
Tata Capital
HDFC Bank
Money Tap
Pay Sense
Loan Tap
Clix Capital
Loan Amount
₹10,000 – ₹4 Lakh
₹75k – ₹25 Lakh
₹50k – ₹40 Lakh
₹10k – ₹5 Lakh
₹5k – ₹5 Lakh
₹50k – ₹10 Lakh
₹1 Lakh – ₹10 Lakh
Interest Rate
0% EMI
7.99% From
10.5% From
1.08%/month
12-15%
Starting from
Starting from 13%
Processing Time
Instant from Card
1-2 days
1 day
5 minutes
2 days
Instant
Paperless
EMI Options
3-24 months
6-72 months
12-60 months
Flexible
3-60 months
Step-up EMI
12-48 Months
Which documents are required for a medical loan?
- Aadhar card / Pan card
- Your payment slips for the last 3 months or your bank statement
- Your medical report or your bill/quotation related to your treatment
- your passport-size photo
Which person should take a medical loan?
- If you do not have any health insurance, then this is useful for you
- or when the surgery is not covered by your insurance
- And it also comes in handy in all your laborious procedures like cancer, heart surgery, IVF or organ transplantation.
- Or when you need some immediate funding in an emergency
How to choose any EMI plan for your treatment?
- Make sure to check how much EMI you will need to afford per month.
- Also compare the interest rate and processing fee
- Also ask the partnered financiers of the hospital in which he is admitted.
- If your EMI is missed, what will be the penalties? Know about them too
Conclusion:
Healthcare expenses in 2025 are increasing rapidly every year. In such a situation, if you do not have health insurance or have not been able to make a claim, then medical loans and EMI options are a smart and easy solution.
With the right company, the right EMI plan and the right documents, you can get treatment quickly without any financial burden.