Health EMI Network Card

Get card limit up to Rs. 4,00,000 for all your healthcare expenses.

Applicable fees and charges

One-time joining fee for the Health EMI Network Card

Card variant

Joining fee

Health EMI Card Network Card fee - Gold

Rs. 707/- (inclusive of applicable taxes)

Health EMI Card Network Card fee - Platinum

Rs. 999/- (inclusive of applicable taxes)

Other applicable fees and charges for availing of the Health EMI Network Card loan limit

The following additional charges are applicable on Health EMI Network Card:

Type of fees

Charges applicable

Corporate/ Hospital Health EMI Network Card Fee Up to Rs. 599 (inclusive of applicable taxes)

Annual fee

Up to Rs. 117/- (inclusive of applicable taxes). Annual fee will only be charged to the Health EMI Network Card holders who have not availed any loan using the Health EMI Network Card in the preceding year. The duration of the preceding year is calculated 12 months from last year’s validity month, which is printed on the face of your Health EMI Network Card. For example, if the Health EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’, on the Health EMI Network Card) the date for payment of the annual fee will be March 2020.

The following charges are applicable for availing loan limit through Health EMI Network Card:

Processing fee

Up to Rs. 1,017/- (inclusive of applicable taxes) collected upfront.

Bounce charges

In case of default of repayment instrument, Rs. 500/- per bounce will be levied.

Penal interest

Delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per annum applicable on the monthly instalment outstanding, from the respective due date until the date of receipt of monthly instalment.

Mandate rejection charges

Rs. 450/- per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered.

Loan enhancement fees

Rs. 117/- (inclusive of applicable taxes) for temporary increase in Health EMI card limit for the loan transaction. Same will be charged only for increase in limit in excess of Rs. 999/- to be collected along with the first instalment.

Convenience fee

Rs. 117/- (inclusive of applicable taxes) will be collected along with first instalment.

Full prepayment (foreclosure) charges

Nil, anytime post disbursal of loan.

Part prepayment charges

Nil, anytime post disbursal of loan.

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Frequently asked questions

What is the Bajaj Finserv Health EMI Network Card?

The Bajaj Finserv Health EMI Network Card is a unique payments solution that allows you to avail of finance to pay for medical expenses that you incur for yourself and your family and pay in easy EMIs. The Health EMI Network Card can be used to avail finance for treatments such as dental care, eye care, hair transplantation, cosmetic treatments, diagnostic care, and many more from over 5,500+ hospital and lab partners.

What is the eligibility criteria for the Bajaj Finserv Health EMI Network Card?

You need to fulfil the following eligibility criteria to get the Health EMI Network Card:

  • Age: 21 years to 72 years
  • Nationality: Indian
  • Income: You should have a regular source of income
What documents do I need to submit to get the Health EMI Network Card?

If you are an existing Bajaj Finserv EMI Network Card holder, you do not have to submit any documents to get the Health EMI Network Card. If you are a new Bajaj Finserv customer, you need to submit your KYC documents and NACH mandate to apply for the Health EMI Network Card.

What can the Health EMI Network Card be used for?

The Health EMI Network Card can be used to convert the cost of 1,000+ healthcare treatments into EMIs. You can use it across a network of 5,500+ hospital and wellness partners.

What are the treatments that I can use the Bajaj Finserv Health EMI Network Card for?

The Health EMI Network Card can be used for 1,000+ treatments such as dental care, cosmetic treatments, hair transplants, wellness procedures, eye care to diagnostic care, stem cell banking and more.

How long does it take to get the Bajaj Finserv Health EMI Network Card?

As the loan limit on your Bajaj Finserv Health EMI Network Card is pre-approved, you get the digital card immediately. You can activate and access this card on the Bajaj Finserv app.

Can I use my Health EMI Network Card for a family member?

Yes, you can use the Health EMI Network Card to divide the medical bills of a family member into easy EMIs.

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