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Emergency Medical Loan

In a medical emergency, cash may be needed fast…

Healthcare costs may be low in India as compared to west, but these expenses are still a financial burden for vast numbers of Indians. Further, healthcare costs are rising year by year and as per World Health Organization three crore Indians fall in the poverty trap every year by incurring high medical expenses.

In a medical emergency money would be needed fast towards admission charges in a reputed hospital followed by expenses towards surgery, room expenses etc. It is particularly difficult of middle class persons to arrange funds towards high medical costs at one go.

Those who are covered by Mediclaim schemes are in a better position but when it comes to treatments like by-pass surgery, angioplasty, chemotherapy etc, even the Mediclaim coverage often is insufficient. Then there are millions of Indians who have no medical insurance at all.

Options are available to raise cash fast…

Resources section below lists out some options that you can consider. While putting this together, we were guided by the fact that that cash should be made available preferably instantly and in any case not later than in 3 days. Repayment can be made in instalments thereby avoiding serious impact on household finances.

Resources
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All India

HDFC Bank

Click on 'Personal Loan' link on home page and fill up the application form that pops up. An algorithm looks at your account, cash flow and CIBIL credit score and loan is sanctioned within 10 minutes.

www.hdfcbank.com

All India

Healthy Heart for all

Healthy Heart for All is an initiative of India Medtronic Pvt. Ltd., a subsidiary of Medtronic, Inc of USA. Medtronic, Inc. They provide installment schemes of one to seven years towards cardiac stents and cardiac surgeries.

1800-209-5123

www.healthyheartforall.org

All India

Loan Against Gold for Instant Cash

Gold Loan Companies: Muthoot Finance Ltd, Manappuram Finance Ltd
Banks: Axis Bank, HDFC Bank, ICICI Bank, SBI, Kotak Mahindra Bank

By visiting local offices of above Organisations, gold jewellery can be pledged to obtain cash instantly. Loan of upto 75% of the value of gold may be availed. Interest is payable only on exact number of days for which the loan is availed. ID proof needed.

Bangalore

CashKumar

Certain Banks and NBFCs provide medical loans. CashKumar interacts with them to obtain within the shortest time medical loan with the best possible terms.

095358 00900

Web Page

Bangalore Chennai Delhi-NCR Kochi Kolkata Mumbai Patna Ranchi

Arogya Finance

They provide fast loans towards medical expenses, even for persons who cannot offer any security as collateral. As soon as diagnosis is done, patient's family has to meet Arogya Finance Counsellor who administers a behavioural test to assess integrity of borrowers. Loan is disbursed directly to hospital within 3 to 24 hours.

097695 69223

arogyafinance.com

Mumbai

Mya Health Credit

Established with the objective of facilitating low cost loans for medical treatment, Mya Health Credit, provides loans of Rs 70,000 to Rs 5 Lakhs at low interest rates for procedures like dental implant to bariatric surgery to hair transplant.

022-2202 0387

Facebook Page

Mumbai      Delhi-NCR (soon)

Axis Bank-Suvidhaa Prepaid Card

This is for persons who have been making local payments through one of Suvidhaa's 20,000 outlets. Based on customer's transaction history, Axis Bank has pre-approved loans of Rs 7,500, Rs 12,000 or Rs 15,000 which are to be repaid in 18 months. Visit your nearest Suvidhaa outlet, inform your mobile number and if you are on the pre-approved list, you will be instantly issued with a pre-loaded Axis Bank - Suvidhaa card.

092232 25225

Web Page of Scheme Details

Offices in 115 Cities in India

Bajaj Finserv Limited

Salaried employees can apply online for personal loan and secure approval in 5 minutes. Collect cash in 72 hours from the nearest branch. Loan upto Rs 25 Lacs disbursed.

1800-209-4151

Web Page

Online

LetsMD

Provides medical loans with faster turnarounds. On their website you can also compare prices for various surgeries at best hospitals.

092666 33344

www.letsmd.com

Pune

EarlySalary

Download the app, login through your Facebook account, mention the cash needed and upload your selfie (photo), Pan card, address proof, Aadhaar card and bank statement. Within 10 minutes, your loan may get approved and amount disbursed.

earlysalary.com

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