Healthcare Financing Policy
HealthEasy EMI ("Platform", "we", "our", "us") is a technology-enabled healthcare financing facilitation platform that acts as a Lending Service Provider ("LSP") for one or more RBI-regulated Banks and/or Non-Banking Financial Companies ("NBFCs").
HealthEasy EMI does not provide loans, does not accept deposits, and does not make credit decisions.
All loan approvals, rejections, interest rates, tenures, charges, disbursements, collections, and recovery actions are determined solely by the respective lending partner.
By accessing or using the Platform, you agree to:
- Terms and Conditions;
- Privacy Policy;
- Consent and Authorization Policy;
- Any lender-specific loan agreements and disclosures.
If you do not agree, you must discontinue use of the Platform.
To use the Platform, you must:
- Be at least 18 years old;
- Be legally competent to enter contracts under Indian law;
- Possess valid KYC documents;
- Provide true, accurate, and complete information;
- Satisfy lender eligibility requirements.
Loan eligibility remains solely at the discretion of the lender.
HealthEasy EMI may provide:
- Loan discovery services;
- Medical financing facilitation;
- Application processing assistance;
- Document collection;
- Identity verification support;
- Communication between borrowers, healthcare providers, and lenders.
HealthEasy EMI does not:
- Guarantee loan approval;
- Influence lender underwriting decisions;
- Determine interest rates;
- Collect loan repayments in its own account;
- Hold customer loan funds.
Loans facilitated through the Platform are provided only by RBI-regulated lending institutions.
The Platform shall clearly disclose:
- Name of lender;
- Loan amount;
- Interest rate/APR;
- Tenure;
- Applicable charges;
- Penal charges;
- Link to Key Fact Statement (KFS).
Where multiple lenders are available, offers may be displayed in a neutral and comparable manner as required by RBI regulations.
Submission of an application does not guarantee approval.
The lender may independently:
- Verify identity;
- Verify employment;
- Verify income;
- Conduct bureau checks;
- Assess creditworthiness;
- Request additional documents.
- The lender may approve, modify, or reject applications without obligation to provide financing.
Prior to loan execution, borrowers shall receive a Key Fact Statement issued by the lender.
The KFS shall contain:
- Loan amount;
- Annual Percentage Rate (APR);
- Processing fees;
- Repayment schedule;
- Tenure;
- Recovery process;
- Cooling-off period;
- Grievance details.
- Borrowers are advised to carefully review the KFS before accepting any loan offer.
By using the Platform, you expressly authorize HealthEasy EMI and its lending partners to:
- Verify identity information;
- Conduct KYC checks;
- Obtain credit reports;
- Verify employment and income;
- Validate submitted information.
Credit bureau inquiries may be conducted through:
- TransUnion CIBIL
- Experian
- Equifax
- CRIF High Mark
- as permitted by applicable law.
For financing healthcare services, users may voluntarily provide:
- Hospital information;
- Medical invoices;
- Treatment estimates;
- Diagnostic costs;
- Healthcare provider details.
- Such information shall be processed solely for loan evaluation, servicing, regulatory compliance, and related purposes.
HealthEasy EMI processes personal data in accordance with its Privacy Policy and applicable Indian laws.
The Platform shall collect only information reasonably necessary for:
- Loan facilitation;
- KYC compliance;
- Fraud prevention;
- Customer support;
- Regulatory obligations.
Users may withdraw consent for future processing, subject to applicable legal and contractual requirements.
Users consent to receiving:
- Email communications;
- SMS notifications;
- WhatsApp messages;
- Phone calls;
- Push notifications.
These communications may relate to:
- Loan applications;
- Verification;
- EMI reminders;
- Service updates;
- Regulatory disclosures.
Users agree not to:
- Submit forged documents;
- Misrepresent identity;
- Provide false information;
- Use the Platform for unlawful purposes;
- Attempt unauthorized access to systems.
- Violation may result in account suspension, reporting to authorities, and legal action.
Loan disbursement and repayment shall occur directly between the borrower and the lender in accordance with applicable RBI requirements and lender policies. HealthEasy EMI is not responsible for repayment processing conducted by the lender.
Recovery activities shall be undertaken only by authorized representatives of the lender and in accordance with applicable RBI regulations.
HealthEasy EMI does not authorize harassment, intimidation, abusive communication, or unlawful recovery practices.
HealthEasy EMI shall not be liable for:
- Loan rejection;
- Interest rate determination;
- Credit assessment outcomes;
- Lender decisions;
- Hospital treatment outcomes;
- Delays caused by third parties;
- Borrower defaults.
- The Platform is provided on an "as available" basis.
All trademarks, trade names, logos, software, website content, graphics, and materials are the exclusive property of HealthEasy EMI unless otherwise stated.
Unauthorized use is prohibited.
HealthEasy EMI may suspend or terminate user access for:
- Fraud;
- Misrepresentation;
- Regulatory reasons;
- Violation of these Terms;
- Security concerns.
HealthEasy EMI Grievance Officer
Email: healtheasyemi@gmail.comPhone: +91 8855919195
Address: Office no.23, 3rd Floor, Aston Plaza, Narhe Ambegaon Rd, above Star Bazaar, Ambegaon Budruk, Pune, Maharashtra 411046
Complaints may be submitted through email, website, or customer support channels.
For loan-related matters, borrowers may also contact the respective lender's grievance officer.
These Terms shall be governed by the laws of India.
Any disputes shall be subject to the exclusive jurisdiction of the courts at Pune, Maharashtra, unless otherwise required by applicable law.
HealthEasy EMI reserves the right to amend these Terms at any time.
Updated Terms shall be published on the Platform and become effective upon publication.
HealthEasy EMI is a Lending Service Provider (LSP) and does not provide loans. All loans are offered and sanctioned solely by RBI-regulated Banks and/or NBFCs subject to eligibility, credit assessment, and lender policies. HealthEasy EMI does not guarantee loan approval. Please read the Key Fact Statement (KFS) and loan agreement carefully before accepting any loan offer.