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Secure a medical loan online, instantly.
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Medical Loan Emi Calculator
Loan amount
₹100K
₹10L
Loan term in months
Repay anytime with 0 Foreclosure charges!
9 Months
60 Months
Choose the Interest Rate
Lowest interest rate unlocked!
%
9.99%
38 %
Your EMI will be
₹5,072/month*
Total Interest Payable
₹43,435
Total Amount Payable
₹2,43,435
Check your eligibility
*Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply
Medical Loan in India: Instant Financial Support for Healthcare Needs
Health is the most valuable asset one has in life, warranting the utmost protection and care. Medical conditions can arise unexpectedly, making timely treatment crucial. However, the high cost of medical treatments can leave individuals with few options, sometimes draining their investments and savings. A medical loan offers a practical alternative, allowing you to fund medical expenses without impacting your financial stability.
FIRSTmoney by IDFC FIRST Bank is a smart medical emergency loan designed to meet your healthcare needs without depleting your wealth or savings.
Interest Rate and Tenure of Medical Loan
FIRSTmoney medical loans from IDFC FIRST Bank are available at a competitive medical loan interest rate starting from 9.99% per annum, with repayment terms extending up to 60 months.
This tailored loan is an excellent choice for individuals seeking a structured health loan with manageable monthly payments.
Key Features of a FIRSTmoney Smart Personal Loan for Medical Emergencies
Discover the key features of a 100% digital FIRSTmoney medical loan designed to support your urgent healthcare requirements.
ZERO Foreclosure Charges
If you're ready to repay early, FIRSTmoney makes it rewarding. You can close your medical loan without paying any foreclosure fees. You can choose to fully repay your loan on your terms, without any penalties.
Multiple On-Demand Loans
Sometimes, you need additional loan amount. With FIRSTmoney, you can access additional funds for medical emergencies with a single application! No need for lengthy paperwork or starting over from scratch.
Flexible Loan Repayment Options
Not everyone’s financial plan looks the same. That’s why FIRSTmoney personal loan offers repayment flexibility with tenures ranging from 9 to 60 months. Choose a repayment plan that fits your goals and monthly cash flow best.
Swift Disbursal
Speed matters when you need funds for medical emergencies. FIRSTmoney delivers instant approval and fast disbursals for personal loans. It's a streamlined process built to give you easy access to funds when you need them the most.
Benefits of a Medical Loan
Medical emergencies often come with unexpected expenses. With a medical emergency loan like FIRSTmoney, you can explore different treatment options, including specialists or out-of-network providers, ensuring the best possible care. Key benefits include:
• Supplementing your insurance for extensive medical expenses
• Covering unexpected costs such as ambulance fees, hospital stays, and specialized treatments
• Instant access to funds for medical treatments, medications, and emergencies, wherever and whenever needed
• No collateral requirements, with attractive medical loan interest rates on a monthly reducing basis
• Flexible repayment options suited to your financial situation
Medical Loan Eligibility and Documentation
Eligibility Criteria for Medical Loan
To be eligible for an medical loan, you should be:
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- * CIBIL Score is a 3-digit numeric summary of your credit history, derived by using details found in the ‘Accounts’ and ‘Enquiries’ sections on your CIBIL Report and ranges from 300 to 900. The closer your score is to 900, the higher are the chances of your loan application getting approved.
Required Documentation for Salaried Medical Loan
Here are the documents required for VKYC -
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Applying for medical loan
Customers can apply for emergency loans from FIRSTmoney. Begin by checking the eligibility criteria to see if you fit the bill. If you do, you can apply to avail a FIRSTmoney smart personal loan. Follow these steps to apply for a personal loan for medical emergencies:
Step 1
Scan the QR code to apply for a medical loan
Step 2
Register with your mobile number
Step 3
Confirm basic details to check your eligibility
Step 4
Choose your loan preferences and link your bank account
Step 5
Once verified, receive the loan amount in your account within 24 hours
Factors to Consider When Applying for a Medical Loan
When considering a medical loan, keep in mind:
• Interest rate: Compare rates from various lenders.
• Loan amount: Ensure it adequately covers your medical expenses.
• Repayment tenure: Select a term that aligns with your financial capacity.
• Processing fees: Be mindful of any extra charges.
• Eligibility criteria: Confirm that you meet the lender’s requirements.
With a comprehensive medical loan from IDFC FIRST Bank, you can address your healthcare needs with financial peace of mind, enabling you to focus solely on recovery.
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Personal Loan for Medical Emergency - Fees and Charges
Enjoy competitive interest rates and minimal charges
Frequently Asked Questions
What is a medical loan?
A medical loan is a type of personal loan tailored for medical emergencies. It covers hospitalizations, urgent treatments, surgeries, and other healthcare needs. FIRSTmoney health loan offers quick financial assistance, enabling you to handle unexpected medical expenses without compromising your savings.
Who is eligible for a medical loan?
Medical loan eligibility typically includes:
- Age: 21-60 years
- Employment: Salaried or self-employed individuals
- Credit score: Generally, a CIBIL score of 710 or above is preferred.
What is the interest rate on an IDFC FIRST Bank medical loan?
Interest rates for an IDFC FIRST Bank medical loan vary based on the applicant’s credit profile, loan amount, and tenure, generally starting from 9.99% per annum. It’s recommended to check directly with the bank for precise rates.
What are the uses of a medical loan?
A medical loan from FIRSTmoney can be used for a range of healthcare needs, such as:
- Hospitalization and surgery expenses
- Medical treatments, diagnostic procedures, and therapies
- Medication and post-treatment care
- Emergency medical expenses
How quickly can I get a medical loan approved?
IDFC FIRST Bank’s medical loan offers a fast, fully digital application process, with instant approvals based on applicant verification. Once your details are confirmed, the loan approval is immediate.
How much loan amount can I take for a medical emergency?
The loan amount for a medical emergency loan depends on your credit score, income, and repayment capacity. IDFC FIRST Bank offers medical loans of amount up to ₹10 lakhs to meet your urgent medical expenses.
Is there a difference between a medical loan and a health loan?
Generally, there is no significant difference between a medical loan and a health loan. Both terms are used interchangeably to cover medical expenses such as surgeries, treatments, and emergency healthcare needs.
How do I apply for a medical loan?
To apply for a medical loan via FIRSTmoney:
- Scan the QR code or click on the loan application link
- Register with your mobile number and verify personal details to check medical loan eligibility
- Select your loan amount and choose a flexible repayment term that suits your need.
- Link your bank account for fund disbursement
- Complete the video KYC with your physical PAN card for verification
What is the interest rate for a medical loan?
IDFC FIRST Bank offers low-interest personal loans for medical needs, with rate starting at 9.99% per annum, depending on your credit profile and loan tenure.
What is EMI of a Medical Loan?
To calculate the EMI for a medical loan, you can use a personal loan EMI calculator.
What is the processing fees on Medical Loan?
At IDFC FIRST Bank, the personal loan processing fees for small loans typically start from 2% of the loan amount, subject to terms and conditions
Get FIRSTmoney Smart Personal Loan of Different Amounts
Different ways you can use a FIRSTmoney Personal Loan
Travel personal loan
Don’t let finances hold back your travel plans. With a FIRSTmoney travel personal loan, you can fund your entire itinerary—from flights and accommodations to activities and shopping—without delay. Whether it’s a planned vacation or a last-minute escape, our personal loans are designed for speed, flexibility, and convenience.
Emergency personal loan
Urgencies demand instant action, and that’s exactly what FIRSTmoney emergency personal loan delivers. From medical bills to home or car repairs, get immediate funds with a 100% online process. With same-day disbursal, easy eligibility check, and zero collateral, you’re never left stranded. Respond to the unexpected without added stress.
Wedding personal loan
Big celebrations deserve big moments, not budget compromises. A FIRSTmoney wedding personal loan ensures you can plan the perfect ceremony, reception, or honeymoon without financial strain. From decor and catering to gifts and travel, fund every detail with ease. Apply in minutes, get approved quickly, and enjoy your big day stress-free.
Medical personal loan
Your health shouldn’t have to suffer from a lack of funds. A FIRSTmoney medical personal loan helps you cover critical treatments, surgeries, or aftercare without delay. Our fast, digital process ensures you can access funds quickly, so you don’t have to use your savings or delay healthcare support.
Home improvement personal loan
Revamp your space the way you want with a FIRSTmoney home improvement personal loan. Whether it’s structural repairs, modern upgrades, or stylish interiors, we offer the financial freedom to enhance your living space with ease. No lengthy approvals, no heavy EMIs, just simple, smart financing for better living.
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