Insta Personal Loan for Medical Expenses

Diagnostic tests and scans

You can check your pre-approved loan offer online in seconds — no paperwork, no branch visits.

Advanced diagnostic scans like MRIs, CTs, and PET scans can cost Rs. 10,000–Rs. 20,000 or more — especially if you need them done urgently or repeatedly.

Why it matters: Early diagnosis is often crucial for recovery. A personal loan lets you get the tests you need, when you need them — without financial stress.

Hospitalisation and inpatient costs

Even if you have health insurance, there are often exclusions — like private room upgrades, special meals, frequent doctor consultations, and dietitian visits — that aren’t fully covered.

Pro tip: These add-ons can run into lakhs during extended hospital stays. An Insta Personal Loan helps bridge the gap.

Physiotherapy and post-op care

After a surgery or accident, recovery often requires multiple physiotherapy sessions — sometimes with specialised equipment or personal rehab plans.

Each session can cost thousands, and many insurance plans only cover a limited number. A personal loan ensures you don’t have to compromise on your recovery.

Managing regular household bills

When you're unwell or recovering, life doesn’t stop. School fees, groceries, rent, EMIs — your monthly expenses still need to be paid.

Use a personal loan to take care of everyday bills while you or a loved one focuses on healing.

Cosmetic or dental treatments

Thinking about a cosmetic treatment — like laser procedures, facelifts, or dental implants? These are typically not covered under insurance, but they can significantly improve your confidence and well-being.

With Insta Personal Loan, you can easily fund these procedures at reputed clinics across the country.

Pre-approved offers

No need to complete the entire application process to know how much loan you will get.

Check offer in 2 steps

You can check your Insta Personal Loan offer by entering your mobile number and OTP.

Money in your account in 30 minutes*

Get the funds you need quickly to manage all your urgent expenses.

Long repayment period – 12 months to 96 months

You can spread your repayment from 12 months to 96 months, which means small instalments right from the start.

No hidden charges

You can read our fees and charges on this page and on our loan documents. There are no hidden charges.

No guarantor or collateral needed

You do not need to provide any collateral such as gold ornaments and property papers to get the loan.

If you are an existing customer

Since you are an existing customer with a pre-approved offer, there are no additional eligibility criteria that apply to you. Some of our existing customers may be asked to submit additional documents, such as your income proof, KYC documents, and bank statement to get the Insta Personal Loan.

If you are a new customer

New customers with an Insta Personal Loan offer may need to go through a CIBIL check and provide additional documents. The documentation and application process may differ slightly.

Documents required

• KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
• PAN card
• Employee ID card
• Salary slips of the last 3 months
• Bank account statements of the previous 3 months
• Piped gas bill
• Pension order
• Letter of Allotment of Accommodation Issued by Employer
• Property / Municipal tax receipt
• Utility bill
• Real-time image / photograph
• Ration card

Step-by-step guide to apply for Insta Personal Loan

1. Click on ‘CHECK OFFER’ on this page to open our online form.
2. Enter your 10-digit mobile number and verify your profile with the OTP sent to your phone.
3. You will see an offer with a pre-assigned loan limit for you. You can either go with it or choose a lower amount.
4. Select a repayment tenure that suits you best.
5. Click on ‘PROCEED’ to complete the online process.