Medical Emergency? These digital lenders provide fast funds while you arrange the bigger amount

Every minute counts in a medical emergency, whether it’s securing an ICU bed, paying for an urgent surgery, or buying life-saving medicines. In India, out-of-pocket expenditure on healthcare still accounts for nearly 40% of total health spending, according to MyGovIndia, even after a sharp drop from 64.2% in 2013–14.

The challenge is that even with insurance, patients often need to make an upfront payment before treatment begins. Hospitals may demand advance deposits ranging from ₹10,000 to ₹1 lakh, and insurance claim settlements or large bank loans can take hours, sometimes days, to process.

This gap in time and funds is where credible digital lending platforms like RupeeRedee, SaveIn, CASHe, NIRA, and KreditBee step in, offering instant, small-to-medium ticket loans with minimal paperwork, seamless KYC, and disbursal in as little as 10 to 15 minutes. These quick funds can make the difference between starting treatment immediately or facing dangerous delays.

1. RupeeRedee

Tech driven digital lending platform that was founded in 2018 to provide quick and hassle free personal loans to underserved segments of the Indian population. By leveraging advanced technologies and robust data protection, RupeeRedee Simplifies the borrowing process for individuals who may not have access to traditional banking services. The platform focuses on offering medium-sized loans (up to 1,49,000) with minimal documentation, making it accessible to individuals from lower-income groups, especially those in need of immediate financial assistance. RupeeRedee operates through its captive Non-Banking Financial Company (NBFC), FincFriends Private Limited, ensuring faster loan disbursals and a seamless KYC Process.

2. SaveIn
   SaveIn partners with a wide network of healthcare providers, including hospitals, diagnostic centers, dental clinics, and specialty care facilities, to offer instant medical loans right at the point of care. Whether it’s dental work, elective surgery, or emergency treatment, patients can choose flexible repayment plans and even zero-cost EMI options at select partners. The entire process from application to approval is completed digitally, often within minutes, ensuring that patients can access treatment without delays caused by lengthy bank procedures or manual paperwork.
3. CASHe
   CASHe offers personal loans ranging from ₹1,000 to ₹4 lakh, making it suitable for both small and mid-sized medical expenses. Powered by an AI-driven credit scoring model, it enables same-day approvals and quick disbursals directly to a borrower’s account. This speed is particularly useful for urgent needs like blood transfusions, advanced diagnostics, or specialist consultations. In addition, CASHe’s “Buy Now, Pay Later” feature allows patients to convert healthcare bills into manageable EMIs at partner clinics and hospitals, providing flexibility without compromising on timely care.
4. NIRA
   NIRA provides credit lines of up to ₹1 lakh to salaried individuals, with instant approval and flexible withdrawal options. Borrowers can take out only the amount they need and pay interest solely on the withdrawn sum, making it cost-effective for ongoing or phased medical expenses such as daily treatments, post-surgery physiotherapy, or recurring medication costs. The platform’s digital-first approach, combined with minimal documentation, ensures funds are accessible when they’re needed most.

5. KreditBee
KreditBee offers quick personal loans starting from ₹1,000 and going up to ₹2 lakh, with repayment tenures ranging from 3 to 15 months. The fully digital onboarding and minimal documentation requirements make it a reliable choice for emergencies where time is critical, such as accident-related treatments or urgent surgeries. KreditBee’s transparent fee structure and straightforward app interface also make it easier for borrowers to understand their repayment obligations upfront, reducing stress during an already difficult time.