Patient Medical Care 0% Interest EMI & Healthcare Credit Assistance
Flexible 3 to 12-Month Treatment Financing for Chronic Spine, Paralysis & Panchakarma Therapies
Healthcare Purpose & Patient Benefits
Medical emergencies and long-term neurological or spinal rehabilitation must never be deferred due to upfront financial constraints. AYUSH SHUBHAM INSTITUTE OF MEDICAL SCIENCES provides a compassionate Patient Credit Assistance Desk that partners with certified healthcare Non-Banking Financial Companies (NBFCs) and digital fintech platforms to convert extensive therapy packages into manageable 0% interest monthly installments (EMI).
हिंदी विवरण: धन की कमी के कारण किसी भी मरीज का जरूरी इलाज नहीं रुकना चाहिए। आयुष शुभम इंस्टीट्यूट ऑफ मेडिकल साइंसेज ने प्रमुख हेल्थकेयर एनबीएफसी और फिनटेक पार्टनर्स के साथ मिलकर बिना किसी अतिरिक्त ब्याज वाली मेडिकल ईएमआई (No-Cost EMI) सुविधा शुरू की है, जिससे मरीज महंगे पैकेज को आसान किस्तों में चुका सकते हैं।
Reserve Bank of India (RBI) NBFC Fair Practices Code & Digital Lending Guidelines
All patient healthcare credit assistance strictly follows RBI Digital Lending Directives (2022). Loans are underwritten solely by regulated financial institutions with complete Key Fact Statements (KFS) and zero undisclosed charges.
Key Operational Features & Highlights
Meticulously engineered for zero patient friction, legal compliance, and maximum medical relief.
True 0% Interest (Zero Subvention Cost)
The institute absorbs interest subvention charges so patients pay only the exact medical fee divided across 3, 6, 9, or 12 equal monthly installments.
15-Minute Paperless Pre-Approval at OPD Desk
Instant Aadhaar OTP and PAN-based eligibility check carried out directly by our dedicated patient welfare counselors.
No Collateral or Asset Pledge Required
Completely unsecured personal healthcare credit designed specifically to support middle-class and rural agricultural families.
Flexible Pre-Payment with Zero Foreclosure Penalty
Patients who recover early or receive family funds can close their EMI schedule anytime without paying foreclosure or pre-payment fees.
Eligible Treatments & Care Covered
The following clinical modalities and hospital admissions are eligible for assistance under this category:
- Chronic Slipped Disc, Sciatica, and Cervical Spondylosis Intensive Therapies
- Post-Stroke Hemiplegia & Paralysis Neurological Rehabilitation
- Advanced 21-Day Classical Shodhana Panchakarma Packages
- Pediatric Cerebral Palsy & Developmental Delay Long-Term Protocols
- Severe Osteoarthritis Joint Lubrication (Janu Vasti & Herbal Plasma)
Required Patient Documentation
Please carry or upload the following verified identification records when visiting our financial desk:
- ✓Patient or Co-applicant Aadhaar Card (Linked with Mobile for OTP)
- ✓Permanent Account Number (PAN Card)
- ✓Active Indian Bank Account Cheque or Net Banking for e-NACH mandate
- ✓Proof of Income (Bank statement / ITR / Form 16 / Agricultural Land Record)
How It Works: 4-Step Patient Journey
Designed for clear, zero-waiting assistance from first contact to discharge.
Doctor Clinical Consultation & Package Estimation
Doctor assesses condition and prepares the formal therapy estimation slip.
Visit Financial Desk for Instant Eligibility Check
Our counselor inputs Aadhaar/PAN details on the verified healthcare portal to display pre-approved tenures.
Digital e-NACH Autodebit Setup
Authorize automated monthly deductions via NetBanking or Debit Card OTP.
Immediate Admission & Therapy Commencement
Hospital admission token is issued immediately with zero delay in clinical treatment.
Instant Institutional Transfer via Axis Bank Merchant QR
Scan the verified AYUSH SHUBHAM AYUR VIGYAN QR code with Google Pay, PhonePe, Paytm, or BHIM. Instant computerized receipt generated with booking reference #APPT-XXXX.
Frequently Asked Questions: Loan and Credit-Related Activities
A family member (spouse, son, daughter, or brother) can act as a co-applicant. Additionally, for economically vulnerable cases, the ASMS Section-8 Charitable Trust provides discretionary fee subsidies.
हिंदी: परिवार का कोई अन्य सदस्य (पति/पत्नी, पुत्र, भाई) सह-आवेदक बन सकता है। इसके अलावा आर्थिक रूप से कमजोर मरीजों को ट्रस्ट द्वारा सीधी छूट दी जाती है।
Explore Other Patient Financial & Insurance Services
Review all 7 institutional financial services compliant with RBI, IRDAI, and Section-8 regulations.
100% Secure Digital Healthcare Payment Gateway & Remittance Desk
Instant UPI, Debit/Credit Cards, Net Banking & Telemedicine Remittance under RBI Compliance
Patient Welfare Trust Fund, BPL Subsidies & Healthcare Relief Activities
Section-8 Non-Profit Medical Welfare Grants for Economically Weaker Sections (EWS)
Patient Life Insurance, Accidental Cover & Family Protection Guidance Desk
Navigating Critical Illness Riders, Living Benefits & Palliative Family Protection Policies
Ayushman Bharat (PM-JAY), General Health Insurance & Cashless Mediclaim Desk
Empanelled Claim Support for Star Health, Care, HDFC ERGO, ICICI Lombard, CGHS & PM-JAY
Insurance Agents, Brokers & Institutional TPA Claim Coordination Desk
Fast-Track Pre-Authorization, Standardized Discharge Records & Agent Liaison Desk
Section-8 Non-Profit Financial Governance, 80G Tax Benefits & MCA CSR Allocation
Statutory Audits, Corporate CSR Project Deployment & Transparent Institutional Banking
Consult with Our Patient Financial Counselor Today
Get immediate clarity on your insurance coverage, zero-cost EMI eligibility, or charitable trust fee waivers.