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In Summary
Understand Card Limits and Annual Fees
Your card limit shows in Bajaj Finance My Account and the Bajaj Finance App, next to your card status and validity. Each bill you convert into EMIs lowers your available Health EMI Network Card limit by the bill amount. The limit goes back up as you repay that loan.
- Sign in with your registered mobile number, an OTP and your date of birth.
- Bajaj Finance charges Rs. 600 for each bounced EMI and a penal charge of 36% per annum on a late instalment.
- Bajaj Finance can block the card after a missed or bounced EMI and confirms the block by SMS.
- Customer care is on +91 8698010101, with a phone menu open 24x7.
Check your Health EMI Network Card limit before a hospital visit, not at the billing counter. A blocked, inactive or expired card cannot be used, whatever limit it shows. Sign in to Bajaj Finance My Account to see your available limit, card status and validity in one place.
What is a Health EMI Network Card limit?
A Health EMI Network Card limit is the total loan amount Bajaj Finance approves for you to spend on medical bills through the card. Each bill you pay with the card becomes a separate loan that you repay in EMIs.
My Account shows two figures. The total approved loan limit is the full amount Bajaj Finance has sanctioned. The available loan limit is the part left after your open card loans.
Bajaj Finance sets your Health EMI Network Card limit using factors that include your repayment history and your credit score from Credit Information Bureau (India) Limited (CIBIL). Plan a treatment around the available figure, because that is what you can spend today.
How do I check my Health EMI Network Card limit online?
You can check your Health EMI Network Card limit in Bajaj Finance My Account or the Bajaj Finance App at any hour. You need your registered mobile number to receive the OTP. No password is needed.
The OTP goes only to the mobile number registered with your card.
- Open Bajaj Finance My Account in your browser, or open the Bajaj Finance App.
- Enter your registered mobile number, then enter the OTP sent to it.
- Enter your date of birth to verify your details.
- Open "Your relations" and select your Health EMI Network Card.
- Read your available Health EMI Network Card limit, the total approved loan limit and the card validity.
The same screen shows your card status and any ongoing EMIs. Other Bajaj Finance loans and deposits appear in the same list, so check the product name before you read any figure.
How does your Health EMI Network Card limit change after each bill?
Your Health EMI Network Card limit drops by the full bill amount each time you use the card. It rises again as you repay the loan created for that bill.
Every transaction opens a new loan account under your card. You repay each loan in EMIs over the tenure you choose for that bill. Your available Health EMI Network Card limit counts all your open card loans together.
The formula, in plain words:
Available limit = Total approved limit minus the loan amount still unpaid on all card transactions
The total approved limit is the amount Bajaj Finance sanctioned. The unpaid loan amount is the part of each bill you have not yet repaid. Add the unpaid amounts on every open card loan, then subtract that total from your approved limit.
Example: Anita is 41 and a schoolteacher in Nagpur. She earns Rs. 55,000 a month and has a CIBIL score of 760. Her total approved Health EMI Network Card limit is Rs. 1,00,000.
| Stage | What Anita does | Available limit (Rs.) |
|---|---|---|
| Start | Has no open card loans | 1,00,000 |
| Hospital bill | Converts a bill of Rs. 50,000 into EMIs | 50,000 |
| After some EMIs | Repays Rs. 15,000 of that loan amount | 65,000 |
| Pharmacy bill | Converts a bill of Rs. 20,000 into EMIs | 45,000 |
Note: This example leaves out the processing fee and any interest.
Why is my Health EMI Network Card limit blocked or unusable?
Your Health EMI Network Card limit cannot be used while Bajaj Finance has blocked the card, even if the limit still shows. Bajaj Finance names four reasons for a block and confirms each block by SMS.
| Reason for the block | What it means for you |
|---|---|
| Missed or bounced EMI | Rs. 600 per bounce, plus a penal charge of 36% per annum per instalment from the due date until the full instalment is paid |
| Irregular repayment record | Past card loans were repaid late |
| Suspicious activity | The card is blocked to stop misuse of your limit |
| Quarterly limit review | Bajaj Finance reviews your Health EMI Network Card limit every quarter (3 months) |
A new card stays inactive until your mandate registration is complete. A mandate is your standing permission for Bajaj Finance to collect EMIs from your bank account. Register your mandate online in My Account if your new card shows as inactive. For a block, call customer care to learn which reason applies before your next bill.
3 other ways to check your Health EMI Network Card limit
Three routes give you your Health EMI Network Card limit without signing in. Each one checks your registered details first.
| Route | What you do | When you hear back |
|---|---|---|
| Phone | Call +91 8698010101 from your registered mobile number | The phone menu is open 24x7 in 9 languages |
| Email wecare@bajajfinserv.in from your registered email ID | Within 48 hours | |
| Online request | Raise a request in My Account | A representative contacts you within 48 business hours |
A call from your registered mobile number gets verified faster. Ask for your available Health EMI Network Card limit and your card status on the same call. Agent hours are on the Bajaj Finance customer care page.
What should you check before using your Health EMI Network Card limit?
Check three things besides your Health EMI Network Card limit before a planned treatment: validity, status and the charges on each bill.
- Validity: My Account shows the expiry date next to the limit. An expired card needs online renewal. See the card validity guide.
- Status: Use the card only when it is active.
- Charges: Each transaction carries a processing fee of up to Rs. 1,017 and a convenience fee of up to Rs. 270, both including applicable taxes, as listed on the Bajaj Finance fees and charges page.
Ask the hospital for the final bill amount first, so that it fits within your available Health EMI Network Card limit.
Next steps
Got card questions? Find answers here
Frequently Asked Questions
Health EMI Network Card Limit
Check & Manage Available Limit
Can I use my limit at any hospital?
No, the card works only at hospitals and wellness centres in the Bajaj Finance partner network. Ask the billing desk before admission whether it accepts the card. Bajaj Finance customer care on +91 8698010101 can tell you which partner locations are near you. Check this before admission, not at discharge.
Can my card limit go up?
Your available Health EMI Network Card limit goes up each time you repay part of an open card loan. Your total approved limit is set by Bajaj Finance from your CIBIL score and repayment history. To ask about a higher approved limit, call Bajaj Finance customer care on +91 8698010101 from your registered mobile number.
My card shows as inactive. Can I still use my limit?
No, an inactive card cannot be used for a new bill, whatever Health EMI Network Card limit it shows. A new card becomes active once your mandate registration is complete. You can register the mandate online in My Account. If an active card turns inactive, look for an SMS from Bajaj Finance confirming a block.
What happens to my limit when my card expires?
After the expiry date, you cannot use your Health EMI Network Card limit for a new transaction. You renew the card online in the Health EMI Network Card section of My Account, with no branch visit. No new physical card is posted to you. Check the expiry date one month before a planned treatment.
How do I stop someone else from using my card?
Sign in to My Account and block the card there. A blocked card stops anyone from spending your Health EMI Network Card limit. You can also call +91 8698010101 and pick the Report a Fraud option, which is open 24x7. Unblock the card in My Account when you need to use it again.
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