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Tata Capital > Blog > Medical Loan > Medical Loan for Surgery: Cosmetic & Plastic Surgery Financing Options

मेडिकल लोन

सर्जरीसाठी मेडिकल लोन: कॉस्मेटिक आणि प्लास्टिक सर्जरी फायनान्सिंग पर्याय

Medical Loan for Surgery: Cosmetic & Plastic Surgery Financing Options

Cosmetic surgery has gained immense popularity in India over the years. People from all walks of life are now opting for various cosmetic procedures like liposuction, breast augmentation, rhinoplasty, and more. However, these procedures can be quite expensive, and most insurance companies do not cover them. So, how can you finance your cosmetic surgery? The answer lies in a medical loan for cosmetic surgery.

In this article, we will explore the benefits of a medical loan for cosmetic surgery and guide you on how to apply online. With Tata Capital’s medical financing options, you can turn your dreams of enhancing your appearance into reality.

What is a Medical Loan for Surgery or Cosmetic Surgery?

A medical loan is essentially a type of personal loan that you can avail of specifically for financing medical treatments or procedures. It provides you with the necessary funds to cover the costs of cosmetic surgery, which can often be substantial.

Benefits of Medical Loan for Cosmetic and Plastic Surgery in India

  1. Use of funds: One of the major advantages of taking a personal loan for cosmetic surgery is that there are no restrictions on how you can use the funds. You have complete freedom to utilize the loan amount as per your requirements.
  2. Flexible repayment tenure: The cost of cosmetic surgeries can range from thousands to lakhs of rupees. With a medical loan, you have the flexibility to repay the amount over a period of five to seven years, depending on your financial situation.
  3. Pocket-friendly EMIs: Personal loans come with affordable interest rates and pocket-friendly EMIs. By using Tata Capital’s Personal Loan EMI Calculator, you can estimate your monthly repayments and choose a loan amount that fits within your budget.
  4. Quick and hassle-free process: Applying for a medical loan for cosmetic surgery is simple and convenient. With Tata Capital, you can apply online and get approval within minutes. The required funds are then disbursed directly into your bank account, enabling you to settle your surgery bills conveniently.
  5. No collateral required: Medical loans are unsecured loans, which means you don’t need to provide any collateral or security against the loan amount. This makes it easier for individuals to avail of the loan without worrying about putting their assets at risk.

तसेच, वाचा – आरोग्य आपत्कालीन परिस्थितीसाठी त्वरित मेडिकल लोनसाठी अप्लाय कसे करावे?

Eligibility Criteria for Medical Loan for Surgery/Cosmetic Surgery

1. Age: You must be between 21 and 58 years old at the time of the last EMI date or retirement age, whichever is later.

2. Monthly income: You should have a minimum monthly income of Rs. 15,000.

3. Work stability: Salaried employees should have a minimum work experience of one year and should be working in their current company for at least six months.

कॉस्मेटिक/प्लास्टिक सर्जरी मेडिकल लोनसाठी आवश्यक डॉक्युमेंट्स

1. ID पुरावा:आधार कार्ड/पासपोर्ट/ड्रायव्हिंग लायसन्स/मतदान ओळखपत्र.

2. उत्पन्नाचा पुरावा: मागील सहा महिन्यांचे सॅलरी क्रेडिट किंवा प्रायमरी बँक अकाउंट स्टेटमेंट.

3. ॲड्रेस पुरावा:आधार कार्ड/पासपोर्ट/ड्रायव्हिंग लायसन्स/मतदान ओळखपत्र.

4. सॅलरी स्लिप: मागील दोन महिन्यांच्या तुमच्या सॅलरी स्लिपची कॉपी.

5. रोजगार सर्टिफिकेट: एक वर्षाचे निरंतर रोजगार दर्शविणारे सर्टिफिकेट.

प्लास्टिक सर्जरी लोन व्याजदर आणि EMI कॅल्क्युलेटर

सर्जरीसाठी मेडिकल लोनसाठी व्याजदर लोन रक्कम, लेंडर पॉलिसी आणि कर्जदाराच्या प्रोफाईलवर आधारित भिन्न असतील. उदाहरणार्थ, उच्च क्रेडिट स्कोअर आणि चांगले क्रेडिट रेकॉर्ड असलेले कर्जदार कमी व्याजदर प्राप्त करू शकतात. तुमच्या फायनान्शियल आवश्यकतांसाठी सर्वोत्तम शोधण्यासाठी एकाधिक लेंडर आणि पॉलिसी रिसर्च करणे सर्वोत्तम आहे. 

कॉस्मेटिक सर्जरी लोन शोधताना EMI कॅल्क्युलेटर हे एक सुलभ टूल आहे. ते लोन रक्कम, व्याजदर आणि कालावधी ॲडजस्ट करून मासिक पर्सनल लोन रिपेमेंटचा अंदाज घेण्यास मदत करतात, ज्यामुळे अफोर्डेबिलिटीचे मूल्यांकन करणे, ऑफरची तुलना करणे आणि तुमचे बजेट अचूकपणे योजना करणे सोपे होते. Try Tata Capital’s EMI calculator today!

Types of Cosmetic Surgeries & Treatments You Can Finance with a Medical Loan

Loans for cosmetic surgery may be used to finance a wide variety of procedures. These could include, among others:

  • Rhinoplasty
  • Face lifts
  • Tummy tucks 
  • Liposuction
  • Breast augmentation 
  • Chemical peels
  • Bariatric surgery

They could also cover the costs of medication, post-operative care, and other expenses beyond the procedure itself. However, different lenders may have different policies regarding personal loans for plastic surgery, and which procedures will be covered under medical or personal loans. 

It is crucial to check which procedures are covered under personal loans for surgeries. Check multiple lenders to see which ones suit your requirements!

तसेच, वाचा – तुमच्या लॅसिक डोळ्यांच्या सर्जरीसाठी फायनान्स कसे करावे?

How to Apply for a Medical Loan for Surgery Online? (Step-by-Step)

If you’re seeking plastic surgery financing, here are the steps to follow:

  • Research and compare lenders: Reviewing different lenders, comparing interest rates, loan amounts, tenures, and charges can help you find an option that best fits your financial needs.
  • Prepare your documents: Keeping your identity proof, income details, bank statements, and other financial records ready will avoid delays.
  • Review your credit score: A strong credit score greatly improves your chances of approval and helps secure better interest rates and repayment terms for your plastic surgery loans.

Once you have selected a lender, collected your documents, and filled in the application form, submit your application online or at a nearby branch. 

निष्कर्ष

The popularity of cosmetic surgery in India has led to an increased demand for financing options that cater specifically to such procedures. A medical loan for cosmetic surgery offers numerous benefits like flexible repayment tenure, परवडणारे ईएमआइ, quick disbursal of funds, and no collateral requirement.
With Tata Capital’s medical financing options, you can easily apply online for cosmetic surgery finance and turn your dreams into reality. Don’t let financial constraints hold you back from achieving the look you desire. मेडिकल लोनसाठी अप्लाय करा today with Tata Capital and embark on your journey towards self-enhancement.

Ease Your Medical Expenses: Get a Quick and Easy Loan Today!

आत्ताच अप्लाय करा

सामान्य प्रश्न

Can I get a medical loan for plastic surgery financing in India?

Yes, many financial institutions, including conventional public- and private-sector banks and NBFCs, offer medical or personal loans for elective procedures and cosmetic surgery.

What is the typical interest rate range for cosmetic surgery loans?

Interest rates for plastic surgery loans vary by lender and borrower profile. Lenders will take your credit history, income, and loan tenure and amount into account.

Are there student loans or special financing for two-wheeler/cosmetic surgery together?

No, student and टू-व्हीलर लोन generally cannot be used for cosmetic procedures. Cosmetic surgery and other procedures are usually financed using medical or personal loans.

Do I need CIBIL/credit score for a medical surgery loan?

Yes, lenders will usually check your CIBIL credit score to assess your repayment capacity. A higher score improves your approval chances and helps secure lower interest rates and favourable terms.

How long does it take for cosmetic/plastic surgery loan approval & online disbursal?

Loan approval depends on the lender’s policies and processes. Public banks generally take longer to process loans. In contrast, private banks and एनबीएफसी have quicker approval times.

What is the maximum loan amount available for cosmetic procedures in India?

The loan principal amount will depend on the borrower’s income, credit score, and the lender’s own policies and criteria. The procedure’s costs will also affect it.

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