Features and benefits of our Health EMI Network Card

All you need to know about out Health EMI Network Card

Watch this video to know more about the features and benefits of the Health EMI Network Card. Get to know about the card limit, partner network, wellness benefits, where to use, repayment period, and more.

  • Accepted in 1,700+ hospitals

    Accepted in 1,700+ hospitals

    This card is accepted in 174 cities. Our partner network covers leading hospital chains and cosmetic care centres.

  • Healthcare expenses on EMIs

    Healthcare expenses on EMIs

    Pay for all your medical and healthcare expenses in monthly instalments and pay back in 24 months.

  • Pre-approved card limit

    Pre-approved card limit

    Our existing Insta EMI Card customers get pre-approved limits for the Health EMI Network Card.

  • One card for your family

    One card for your family

    All your family members can use the same Health EMI Network Card for all their healthcare expenses. No need to carry multiple cards.

  • Covers costs that insurance may not

    Covers costs that insurance may not

    Unlike in a lot of insurance covers, the Health EMI Network Card does not have any exclusions for healthcare expenses.

  • Flexible repayment tenures

    Flexible repayment tenures

    Convert your healthcare expenses into monthly instalments and pay back over in 3 to 24 months.

  • End-to-end online process

    End-to-end online process

    All it takes is 10 minutes to complete the application process to get the Health EMI Network Card.

  • Digital card

    Digital card

    No need to carry a plastic card in your wallet. You can access the card on the Bajaj Finserv app.

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

Show More Show Less

Pre-approved offers for new customers

Both our new and existing customers can choose from pre-approved offerings. All we need is your mobile number to check.

You do not have to go through the complete application procedure if you are one of our customers who has been pre-approved.

You might not require a card right now, or you might not have a pre-approved offer. You can still pick from a variety of offerings:

  • Examine your credit standing

    Examine your credit standing

    Some of the most crucial factors for you are your credit health and CIBIL score. Get our Credit Health Report to keep your credit in tip-top shape.

    Check your CIBIL score for free

  • Insurance in your pocket to cover every life event

    Insurance in your pocket to cover every life event

    In order to cover all of your life's events, including trekking, monsoon-related illnesses, car key loss/ damage, and more, we offer more than 400 insurance covers starting at just Rs. 19.

    Discover Insurance Mall

  • Create a Bajaj Pay Wallet

    Create a Bajaj Pay Wallet

    The only four-in-one wallet in India that allows you to pay or transfer money using your digital wallet, an EMI Network Card, a credit card, and UPI.

    Download Bajaj Pay

  • Start an SIP with just Rs. 100 per month

    Start an SIP with just Rs. 100 per month

    Pick from over 900 mutual funds across 40+ companies such as SBI, Aditya Birla, HDFC, ICICI Prudential Mutual Fund, and more.

    Discover Investment Mall

Eligibility criteria and documents required

Anyone can get the Health EMI Network Card, as long as you meet the basic criteria mentioned below. If you meet the criteria, you will need to submit a few basic details to complete your application process.

Eligibility criteria

  • Nationality: Indian
  • Age: 21 years to 65 years
  • Income: You must have a regular source of income

Documents required

  • PAN Card
  • Address proof
  • Cancelled cheque
  • Signed ECS mandate

How to apply for the Health EMI Network Card

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 (Rs. 707 for Gold/ Rs. 999 for Platinum).
  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

Type of fee Applicable charges

Health EMI Network Card fee - Gold

Rs. 707 (inclusive of applicable taxes)

Health EMI Network Card fee - Platinum

Rs. 999 (inclusive of applicable taxes)

Mandate registration charges

Rs. 118 (inclusive of applicable taxes) will be applicable for the below banks:

  • Bank of Maharashtra
  • Development Credit Bank Limited
  • IDFC Bank
  • Karnataka Bank Limited
  • Punjab & Sind Bank
  • Rajkot Nagarik Sahakari Bank Limited
  • Tamilnad Mercantile Bank Limited
  • UCO Bank
  • Indian Overseas Bank
  • United Bank of India

NACH/ Cheque bounce charges

Rs. 450 (inclusive of applicable taxes)

Mandate rejection charges

Rs. 450 (inclusive of applicable taxes) applicable if the new mandate form is not registered within 30 days from the date of rejection of the previous mandate form by the customer's bank for any reason whatsoever

Document/ statement charges/ statement of account/ repayment schedule/nforeclosure letter/ no due certificate/ interest certificate/ list of documents

Download your e-statements/ letters/ certificates at no extra cost by logging into the customer portal – My Account. You can get a physical copy of your statements/ letters/ certificates/ list of documents from any of our branches at a charge of Rs. 50 (inclusive of applicable taxes) per statement/ letter/ certificate.

Penal interest charges

Any delay in payment of monthly instalment/ EMI shall attract penal interest at the rate of 4% per month on the monthly instalment/ EMI outstanding, from the date of default until the receipt of monthly instalment/ EMI.

Annual fee

Rs. 117 (inclusive of applicable taxes)
Annual fee will only be charged to the Health EMI Network Card holders who have not availed of 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 Health EMI Network Card) the date of payment of the annual fee will be March 2020.

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. 10,500.

    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.

Show More Show Less

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 Finserv 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 Finserv
  • 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 Finserv 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.

Show More Show Less