Apply for Prime Health today
Prime Health is a healthcare financing product offered by Poonawalla Fincorp that helps you pay for medical treatments through affordable, zero-cost EMIs. It’s designed to make quality healthcare more accessible by reducing upfront financial burden.
With this digital-first product, you can access timely medical care across partner hospitals without immediate financial pressure affecting your treatment decisions.
Medical Treatments Covered by Prime Health
Our Prime Health programme is designed to support you across a wide spectrum of planned medical procedures. Some of the key treatment categories supported include:
- Surgeries
- Maternity Care
- Orthopaedic Procedures
- Cosmetic & Elective Treatments
- Cardiac & Neuro Treatments
- And many more...
Prime Health and Health Insurance: How are they Different
Prime Health and health insurance work very differently. With Prime Health, you don’t pay monthly premiums; instead, you pay for actual treatment costs through zero-interest EMIs. It mainly covers elective or planned treatments, such as cosmetic, maternity, or orthopaedic procedures, and provides immediate access without waiting periods. Health insurance, on the other hand, requires regular premiums, may include co-pays or exclusions, and usually only covers medically necessary procedures, sometimes with waiting periods.
The way payments and eligibility are handled also sets them apart. Prime Health settles bills directly with hospitals and lets you repay flexibly over up to 24 months, with approval based on simple credit checks. Insurance requires claim approval or reimbursement, has fixed annual renewals, and eligibility depends on age, health history, and pre-existing conditions. While Prime Health fills gaps by covering elective treatments, insurance protects against unexpected medical expenses.
Why Choose Poonawalla Fincorp
Shop Your Next Durable Product EMI Plans Available at Nearby Locations!
We have designed the eligibility criteria for our Prime Health programme to be simple and inclusive. Here’s an overview of the parameters used to determine eligibility.
-
Age – Applicant
Minimum Age (at the time of application)
Patient Finance - 25 years
Reimbursement Finance - 23 years
Maximum Age (at the time of loan maturity)
Patient Finance
1. Salaried - 58 years
2. Self-Employed - 58 years
Reimbursement Finance
1. Salaried - 58 years
2. Self-Employed - 58 years
-
Age – Patient
Maximum Age (at the time of loan maturity)
Patient Finance - 75 years
Reimbursement Finance - 75 years
-
Bureau Score
Min Score – 720
Experian Score - 700
To ensure a smooth and hassle-free application process, Poonawalla Fincorp requires minimal documentation.
- Application form
- KYC documents
- Invoice from the hospital
- Doctors’ medical recommendations for the treatment
- Down payment receipt proof, wherever applicable
- Discharge certificate
- Relationship proof (in case of co-applicant loan)
The Prime Health programme is structured to keep treatment more affordable through zero-cost or low-cost EMI options, depending on the arrangement with the hospital or healthcare partner. Here’s an overview of the charges:
For Reimbursement Finance: 1 to 4 Months
i) If Foreclosure or Prepayment is done, including balance transfer from another financial institution, 4 % on the amount being prepaid plus applicable taxes.
2) After repayment of the first six instalments
i) If Foreclosure or Prepayment is done from the own funds of the Borrower- Nil charges.
ii) If Foreclosure or Prepayment is done by any other source, including by balance transfer from another bank/financial institution, 4% on the amount being prepaid plus applicable Taxes
*Disclaimer: Above charges apply only when you opt for these services
Healthcare costs can escalate quickly, and even the most prepared families may find themselves under financial strain. Prime Health is particularly useful in situations such as:
- No health insurance - when you don’t have coverage to rely on.
- Bills exceeding insurance coverage - bridging the gap when medical expenses go beyond policy limits.
- Savings not sufficient - when personal funds fall short of covering treatment costs.
- High-cost treatments or procedures - where existing financial resources may get exhausted quickly.
- Unexpected medical emergencies - ensuring you can access care without delay.
- Planned treatments with high costs - making major procedures more affordable through financing.
Prime Health ensures that financial limitations never prevent you from receiving timely, high-quality healthcare.
Applying for healthcare financing through the Prime Health programme is structured to be seamless, with minimal paperwork and fast approvals. Here are the steps you need to follow:
- Patient Counselling: When you visit your hospital or healthcare provider for treatment planning, a hospital counsellor or a Poonawalla Fincorp representative will inform you about the EMI financing options available under the Prime Health programme.
- Eligibility Check: Poonawalla Fincorp system performs an instant credit check using your PAN, Aadhaar, bank details, and bureau score.
- Digital Application: After your eligibility is confirmed, you will receive a digital loan application. You can e-sign the loan agreement using a simple OTP verification.
- Loan Approval: Once your application is processed, you’ll receive an approval confirmation instantly.
- Direct Settlement: Once approved, Poonawalla Fincorp settles the treatment amount directly with the hospital, usually within 1-2 working days.
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Happy customers, happy us
I opted for a Loan Against Property balance transfer with Poonawalla Fincorp, and the experience exceeded my expectations. The application process was completely digital, quick, and required minimal paperwork. Getting a significantly lower interest rate helped me reinvest in my business.With better financial flexibility, I was able to scale operations efficiently, leading to a 30% increase in business turnover. Poonawalla Fincorp made the entire journey stress-free, and I highly recommend their services to any business owner looking for smart financial solutions.
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I had a great experience with Poonawalla Fincorp’s Pre-owned Car Loan. The offered loan amount was as per my expectations, and the entire process was smooth and hassle-free. The documentation was minimal, and the loan was disbursed in just two days! What stood out was the flexibility—repayment was easy, and the EMI structure was well-planned. The loan approval process was straightforward, making it convenient to get the car I wanted without any delays. Overall, the service was excellent, and I highly recommend Poonawalla Fincorp to anyone looking for an easy and quick loan process!
A friend in need, is a friend indeed. Poonawalla fincorp has been like one of those friends for me, who has supported me in my journey. With no hidden charges and no prepayment charges, the company has provided me with the adequate funds I needed for me professional practice. From the loan application process to the disbursal of funds, I did not face any problems. My experience was hassle-free and smooth. Not just me, all my fellow professionals and friends have had a wonderful experience with Poonawalla Fincorp’s Professional Loan.
I am practicing Chartered Accountant (CA) based out of Hubli. There were working capital issues that i was facing like upgrading my firm’s overall infrastructure, hiring well-qualified staff and digitization. Poonawalla fincorp hab been of great support when it comes to funding these requirements. I’ve got one of the best interest rates available in the market, my documentation process was fast & hassle-free. and the digital application process made it very simple to get a Professional Loan as a CA. I recommend to CAs to consider Poonawalla Fincorp for their working capital or any other funding requirements.
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Frequently Asked Questions
Prime Health is a specialised financing solution that helps patients pay for planned medical treatments. It allows you to convert the entire hospital bill into affordable zero-cost equated monthly instalments (EMIs), so you don’t have to pay the full amount upfront.
Zero-cost EMI means you will not be charged any interest on the loan amount. You only repay the principal amount, which is the actual cost of your medical treatment.
No, the Prime Health programme offers unsecured financing. You do not need to pledge any assets, such as property or gold, or provide any form of security to avail of this facility.
Once your loan is approved, Poonawalla Fincorp disburses the funds directly to the hospital’s account. You do not need to handle the payment yourself, making the process completely seamless for you and your family.
Prime Health covers a wide range of planned and elective medical procedures, including surgeries, maternity and IVF treatments, orthopaedic procedures such as knee replacements, cosmetic surgeries, cardiac treatments, and more.
Poonawalla Fincorp offers flexible repayment tenures to suit your financial comfort. You can choose a tenure of up to 24 months to repay the loan in easy EMIs.
Yes, you can take a loan for a close relative under the Prime Health programme. Close relatives include your mother, father, son, daughter, spouse, or sibling (brother or sister).