Medical Loan
Treatment first. EMIs after.
A dedicated loan for hospitalisation, surgery, diagnostics and treatment costs. Optional direct disbursal to the hospital. No cash flow through you.
Built for these borrowers.
- Anyone facing planned or emergency medical spend
- Families where insurance is exhausted or excludes the treatment
- Parents managing elderly-care costs
What we'll need from you.
Eligibility
- Age 21–65 (patient may be any age; borrower must be adult)
- Monthly income ≥ ₹20,000
- Indian resident with valid PAN and Aadhaar
- Bank account for EMI
Documents
- PAN and Aadhaar
- Hospital estimate / discharge summary / doctor's prescription
- Last three months' bank statement
- Income proof
What borrowers actually use this for.
- Planned surgery: cardiac, orthopaedic, oncology
- Emergency hospitalisation before insurance clears
- IVF, dental implants, and other insurance-excluded procedures
- Diagnostic packages, chronic-illness management
See what medical loan will cost you.
Answers to what people ask.
Can Paynorma pay the hospital directly?
Yes. With the hospital-direct option, the loan is disbursed to the hospital's account against a signed estimate. You receive the sanction letter for records.
Does this work for planned surgeries too?
Yes. In fact, planning ahead lets us pre-approve you before admission so you're not filling forms at the reception.
Is a co-applicant required?
Only if the patient is a minor or if the borrower's income needs bolstering. Most cases go through single-applicant.
What treatments are not eligible?
Cosmetic-only elective procedures and treatments where hospital verification isn't possible are typically declined by the lending partner.
Can I claim insurance and take this loan?
Yes. Many patients use the loan to pay upfront and repay it once the insurance reimbursement clears.
