When health emergencies strike, waiting isn't an option. That's where a medical loan steps in—offering fast financial help for sudden treatments, procedures, or hospitalisations. If you've ever wondered what a medical loan is, think of it as a personal loan specifically meant to cover medical expenses. It helps you act fast when every second counts.
Because health shouldn't wait.
No long waits, no added stress—just swift support when you need it most. Download the Kissht app and apply for an emergency medical loan in minutes.
Get your personal loan approved in 5 minutes with Kissht.
Get a medical loan from Kissht - no assets needed.
Instant medical loan disbursed directly to your bank.
Fully digital medical loan application with Kissht.
Quick medical loan with minimal paperwork required.
Get care without compromise—thanks to competitive medical loan interest rates.
| Criteria | Requirement |
|---|---|
| Nationality | Indian citizen |
| Age | Between 21 to 60 years |
| Documentation | Selfie, PAN Card, and Aadhaar Card |
| Income Proof | Required only for select high-value loans based on credit profile |
| Profile | Salaried, Self-Employed, Small business owners & MSMEs |
*As of December 31, 2025
A medical loan is a financial product designed to cover the cost of medical treatments. Whether it's for an emergency, surgery, or general healthcare needs, you can apply for a loan for medical treatment. Using a medical loan app, like Kissht, allows for quick access to funds through an instant medical loan or personal loan for medical emergencies.
A personal loan for medical treatment works like a standard personal loan but is used specifically for healthcare expenses. After completing a digital application and identity verification, approved funds are transferred to the borrower's bank account and repaid in monthly installments over a fixed tenure.
Yes, a medical loan can be used for surgeries like heart, cancer, or knee replacement. These loans are designed to cover a wide range of medical expenses, including major surgeries. You can apply for an instant medical loan or a personal loan for a medical emergency through Kissht's app, ensuring quick access to funds for treatment.
To apply for a medical loan, you typically need the following documents:
These documents help verify your identity and process the loan quickly, allowing you to access funds for medical treatment.
For quick personal loans for medical emergencies, follow these steps: