Features and benefits of our Health EMI Network Card

Features and benefits of our Health EMI Network Card 00:59

All you need to know about the Health EMI Network Card

Learn about how our Health EMI Card makes your health care manageable. Pay for health treatments, medicine bills, lab tests, and more on EMIs.

  • All you need to know about the Health EMI Network Card

    All you need to know about the Health EMI Network Card

    Learn about how our Health EMI Card makes your health care manageable. Pay for health treatments, medicine bills, lab tests, and more on EMIs.

  • Pre-approved loan limit of up to %$$LCFloanamount$$%

    Pre-approved loan limit of up to Rs. 4 lakh

    Get a loan limit of up to Rs. 4 lakh and convert your healthcare expenses and medical bills into easy EMIs.

  • %$$LCFconsultationfee$$% consultation and lab benefits*

    Rs. 2,500 consultation and lab benefits*

    Avail consultation and lab benefits worth Rs. 2,500 with the Health EMI Network Card – Platinum.

  • %$$LCFfreeconsultation$$%  free tele consultations*

    10 free tele consultations*

    Get free tele consultations from our partner specialists.

  • Free %$$LCFlabtest$$%+ preventive lab test package

    Free 45+ preventive lab test package

    Avail of a free health check-up package with up to 45+ lab tests.

  • A single card for your entire family

    A single card for your entire family

    Family members including parents, spouse, children, and siblings are also covered.

  • Flexible tenure

    Flexible tenure

    Pay for your medical treatments in flexible tenures up to 38 months.

  • Minimal documentation

    Minimal documentation

    Submit your basic documents to avail the card.

  • Exclusive wellness benefits

    Exclusive wellness benefits

    Get exclusive wellness benefits of up to Rs. 10,000.

  • Digital card with instant activation

    Digital card with instant activation

    A fully digital card that is activated instantly on application.

  • %$$LCFstoreheft$$% hospitals and healthcare centres

    5,500 hospitals and healthcare centres

    This card is accepted in 1,000 cities. Our partner network covers leading hospital chains and cosmetic care centres.

  • Healthcare expenses on easy EMIs

    Healthcare expenses on easy EMIs

    Divide the cost of all your medical and healthcare expenses into easy EMIs from any part of the country across multiple health and wellness centres.

  • Covers cost that insurance may not

    Covers cost that insurance may not

    Covers everything in healthcare and which is beyond health insurance.

  • Still haven’t found what you’re looking for? Click on any of the links at the top of this page.

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Eligibility criteria and documents required

Anyone can get the Health EMI Network Card, as long as you meet the basic criteria mentioned below.

Eligibility criteria

  • Nationality: Indian
  • Age: 23 years to 72 years
  • Income: You must have a regular source of income

Documents required

  • PAN Card
  • Address proof
  • Cancelled cheque (at the time of loan application)
  • Signed ECS mandate
  • NACH mandate

  • Did you know?

    This is India’s first Health EMI Network Card.

  • Did you know?

    You get 10 free teleconsultations with the Health EMI Network Card

  • Did you know?

    You can use the Health EMI Network Card for elective procedures like cosmetic treatments, hair transplants, etc.

  • Did you know?

    Most leading hospital chains accept your Health EMI Network Card.

How to apply for the Health EMI Network Card

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Step-by-step guide to get the Health EMI Network Card

  1. Select the card variant of your choice (Gold/ Platinum).
  2. Enter your 10-digit mobile number and verify the OTP sent to your phone.
  3. Fill in the application form with your basic details, such as your full name, PAN, date of birth, PIN code and email ID.
  4. Select your employment type and gender.
  5. Click on ‘Proceed’ to know your card limit.
  6. Verify your KYC using your Aadhaar Card or DigiLocker.
  7. Post successful KYC, pay a one-time joining fee of Rs. 707 for Gold/ Rs. 999 for Platinum (inclusive of applicable taxes).
  8. Click on ‘Activate Now’ and enter your bank account number and IFSC code to complete the e-mandate process.
  9. After successful, e-mandate registration, your card is ready to use.

Note: The online process may differ depending on whether you are a new customer or have an existing relationship with us.

Applicable fees and charges

FEES AND CHARGES

The following charges are applicable on Health EMI Network Card:

Type of fees

Charges applicable

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)

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.

2 unique variants of our Health EMI Network Card

  • Health EMI Network Card – Platinum

    Our Platinum Health EMI Network Card is India’s first EMI Card that can be used to pay for medical and cosmetic treatments on EMIs. With this card, you can get 10 free teleconsultations with 90,000+ doctors in 17 languages. Additionally, the card offers lab tests and OPD benefits worth Rs. 2,500. Not just that, your card also comes with a preventive health check-up package with 45+ tests. All these healthcare benefits add up to Rs. 10,000.
    For instance, you visit a general physician for a consultation and pay Rs. 2,000 for the same. Using your Platinum Health EMI Network Card, you can get the bill reimbursed through the Bajaj Health app. Your claim amount will be directly deposited in your bank account within 48 hours.

  • Health EMI Network Card – Gold

    Our Gold Health EMI Network Card offers exclusive health benefits worth Rs. 8,000. Plus, you get an annual preventive health check-up package with 45+ tests worth Rs. 3,000.

    With our Gold Health EMI Network Card, you can easily book online teleconsultation with our 90,000 specialists. All you need to do is, select a doctor on the Bajaj Health app and book an appointment as per convenience.

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Frequently asked questions

What is a Health EMI Network Card 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 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+ 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, and eye care to diagnostic care, stem cell banking and more.

How can I get the Bajaj Finserv Health EMI Network Card online?

If you are an existing Bajaj Finance customer, you can avail the Health EMI Network Card by following the below steps:

  • Go to the “Health EMI Network Card” section on the website
  • Click on “Apply now”
  • Verify yourself with your registered mobile number with Bajaj Finance
  • Eligible customers can view their offer and make a payment online
  • The Health EMI Network Card can be viewed on your Bajaj Finserv app.

Alternatively, you can also get the card at a store or at a partner hospital/clinic/medical centre.
If you are not a Bajaj Finance customer, you can get the Health EMI Network Card at your nearest partner store or partner hospital/clinic/medical centre.

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 already approved, your card gets activated instantly.

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