Navigating though the health insurance coverage is a monumental task. Usually, many treatments and costs for new medical procedures, diagnostic costs or elective treatments like slimming and cosmetic surgeries are not covered under health insurance policies. To help customers pay for such medical expenses without putting a strain on their savings, Bajaj Finance Limited, the lending and investing arm of Bajaj Finserv is offering Digital Health EMI Network Card.
Available through a fully online application process, this health card helps customers convert medical bills into No Cost EMIs over a flexible tenor ranging from 3 to 24 months. Customers can avail of this hassle-free financing option in just 5 minutes. What's more, with this digital-only card customers can avail of 800+ treatments through Bajaj Finserv's 5,500+ lifecare partners spread across 1,000+ cities. The Digital Health EMI Network Card is a family card and so, anyone in the family, including blood relations like parents, spouse, children, and siblings, can use it to convert healthcare and pharmacy bills into EMIs.
Here are the treatments not covered by health insurance but available on No Cost EMIs via the Digital Health EMI Network Card-
Prior to treating a disease, healthcare institutions run several tests to arrive at a diagnosis. These include CT scans, MRI scans, blood tests, thyroid function tests and so on. While being part of regular healthcare procedures, these diagnostic tests generally fall out of the ambit of a general health insurance policy, unless the patient is hospitalised. However, with diagnostic centres being a part of the Bajaj Finserv's Health EMI Network, customers can use their health card to undergo tests and pay for the expenses in affordable EMIs.
Plastic and cosmetic surgery
Cosmetic and plastic surgeries are often omitted from general health insurance plans as they are considered elective and classified as non-life-threatening. This is not the case when an insurance recognizes the procedure as reconstructive or medically necessary. So, patients must be prepared to bear the cost of treatments like rhinoplasty and liposuction out of their pocket.
However, Digital Health EMI Network Card holders get a pre-approved credit limit of up to
Pre-existing conditions and pregnancy-related treatments
Pre-existing diseases like high blood pressure and diabetes, though common, are often excluded from health insurance plans. At times, coverage is offered after a lengthy waiting period. To address this, Bajaj Finserv offers flexible repayment plans that allow customers to divide medical bills into EMIs spaced out over 3 to 24 months.
Likewise, to pay for pregnancy-related costs, such as a C-section and post-delivery expenses one could be using personal finances. With the Digital Health EMI Network Card customers can avail such treatments for the mother and the child as the card is a single solution to meet one's family expenses too. This way, it can be used to finance treatment for the whole family rather than simply the cardholder.
Eye and dental treatments
Most often, dental and eye treatments do not require hospitalisation. Hence, they tend to be excluded from health insurance policies. However, Bajaj Finserv's partner healthcare centres offer dental care and ophthalmology treatments on No Cost EMIs, allowing customers to avail the best treatments at an affordable cost.
To get the Digital Health EMI Network Card now, existing Bajaj Finserv customers can check their pre-approved offer and follow the below steps.
- Apply online with their registered mobile number
- Enter the OTP sent to the number
- View their pre-approved Digital Health EMI Network Card
- Pay the one-time fee of Rs. 707
- Access the card through the Bajaj Finserv Wallet App
Those who aren't yet a member of the
With the Digital Health EMI Network Card aiding a health insurance plan, customers can affordably get healthcare services even if the condition is excluded from their existing health insurance. Customers can check their pre-approved offer to get access to instant EMI financing.
About Bajaj Finance Limited
Bajaj Finance Limited, the lending company of Bajaj Finserv group, is one of the most diversified NBFCs in the Indian market catering to more than 40 million customers across the country. Headquartered in
To know more, please visit: https://www.bajajfinserv.in