Insta Personal Loan for Medical Expenses

Insta Personal Loan for Medical Expenses

Check pre-approved loan offer to know how much you can get in 30 minutes* to manage urgent expenses.

₹40000 to ₹14,00,000

You may be eligible for a pre-approved offer

Enter mobile and OTP | Check offer | Get funds in 30 minutes*

Using Insta Personal Loan for medical emergencies

Medical bills can come out of nowhere — whether it’s a sudden emergency or a planned procedure. Even with insurance, many expenses still end up being paid from your pocket. From hospitalisation costs to follow-up treatments, the gap can be substantial. That’s where an Insta Personal Loan can help. It’s a quick and easy way to get funds for both elective and non-elective medical procedures — without dipping into your savings.

  • 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.

*Terms and conditions apply.

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Features and benefits of Insta Personal Loan for medical expenses

Medical bills can come out of nowhere — whether it’s a sudden emergency or a planned procedure. Even with insurance, many expenses still end up being paid from your pocket. From hospitalisation costs to follow-up treatments, the gap can be substantial. That’s where an Insta Personal Loan can help. It’s a quick and easy way to get funds for both elective and non-elective medical procedures — without dipping into your savings.

  • 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 – up to 96 months

    You can spread your repayment over 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.

*Applicable for select customers.

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Eligibility criteria for Insta Personal Loan for medical expenses

Anyone can opt for our Insta Loan for medical expenses online. Your eligibility and documentation requirement depends on whether you are a new customer or have an existing relationship with us.

  • 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

Age: 21 years to 80 years*

*Higher age limit applicable at the time of loan maturity.

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How to apply for Insta Personal Loan for medical expenses

Medical bills can come out of nowhere — whether it’s a sudden emergency or a planned procedure. Even with insurance, many expenses still end up being paid from your pocket. From hospitalisation costs to follow-up treatments, the gap can be substantial. That’s where an Insta Personal Loan can help. It’s a quick and easy way to get funds for both elective and non-elective medical procedures — without dipping into your savings.

  • 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.

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

Note: Some customers may need to submit additional documents to complete their Insta Personal Loan application process.

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Frequently asked questions

Overview

Application

What is a medical emergency loan?

A personal loan that you can quickly obtain in case of medical emergencies is often termed as a medical emergency loan. Our Insta Personal Loan is a pre-sanctioned offer; wherein the lender has already evaluated your credit history to check your creditworthiness.

How much time does it take to get a medical loan approved?

The approval time differs from lender to lender. In the case of Insta Personal Loans, since the initial approval process is already done, they are processed faster. With a Bajaj Finance Insta Personal Loan, you can expect the money in your account within hours.
Check your pre-approved offer in just 2 steps.

*Terms and conditions apply.

How much can I get as a personal loan for higher education?

With our Insta Personal Loan, you can get funds up to Rs. 15,50,000.

What are the mandatory documents needed for a medical loan?

Minimal documentation is a key feature of Insta Personal Loans, and in some cases, you might not even need to provide any documents. In case you are asked for documents, you will only need the following:

  • 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
What are the eligibility criteria to apply for a medical loan?

You do not have to check the eligibility criteria before applying for our Insta Personal Loan, since we provide pre-approved offers. Just enter your mobile number and OTP to check your offer.

Who is eligible for an emergency medical loan?

Approval depenThe eligibility criteria vary from lender to lender. Our Insta Personal Loan provides pre-approved offers, so you do not have to check any eligibility criteria separately.ds on eligibility, documentation, and verification process.

How to get a loan for medical treatment?

To get a loan for medical treatment, you can explore options like personal loans, medical loans, or healthcare financing. Compare interest rates and terms, and prepare necessary documents like medical records and income proof for the application process. In urgent situations, you can look at pre-approved offers such as those provided with our Insta Personal Loans.

How can I get a loan for a medical emergency instantly?

You can apply for a Bajaj Finserv Insta Personal Loan to tackle medical emergencies. You can check your Insta Personal Loan offer using the following steps:

  • Click on ‘CHECK OFFER’.
  • Enter your 10-digit mobile number and OTP.
  • Go with the pre-assigned limit or choose a different loan amount.
  • Choose a repayment tenure that suits you best.
  • Click on ‘PROCEED’ to complete the online process.
    The online process may differ depending on whether you are a new customer or have an existing relationship with us.
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Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.