RxDx Clinics – Easy EMI for Medical Expenses
Flexible • Zero or Low Interest • Hassle-Free
Why pay a lump sum from your savings for medium to high medical and wellness expenses when you can opt for a smarter EMI solution—with zero or low interest?
Medical treatments can sometimes create unexpected financial pressure. You may not want to dip into planned savings, your funds may already be allocated to other priorities, or your insurance may not fully cover the procedure.
To make healthcare more accessible and stress-free, RxDx Clinics offers a seamless Easy EMI Facility for eligible medical and wellness expenses through our trusted fintech partners at zero or low interest.
Key Details
- Minimum transaction value: ₹3,000
- Maximum amount: As per the patient’s credit card limit
- EMI approval is subject to the financing partner’s discretion
EMI Enquiry Form
Treatments Covered by Easy EMI through Fintech Partners
The Easy EMI facility can be availed for a wide range of medical, diagnostic, preventive, lifestyle, and wellness services across RxDx Clinics.
Specialty Care
Eligible specialty treatments include:
- All medicine and surgical departments
- Hearing Aids
- Dental Care, covering:
- Dental Implants
- Root Canal Treatments
- Dental Crowns
- Dentures
- Cosmetic Dentistry
- Minor & Major Oral Surgeries
- Gum Treatments (Periodontics)
Lifestyle & Cosmetic Procedures
EMI is available for aesthetic and lifestyle procedures such as:
- Scar Treatment
- Face Contouring
- Liposuction
- Hair Transplant
- Wrinkle Removal
- Botox
- Chemical Peels
- Dermal Fillers
- Laser Hair Removal
- Eyebrow Lifting
- MNRF Treatment
Medical Procedures & Diagnostics
Includes:
- CT scans
- Health check-ups
- Blood tests
- Surgeries
- Minor and major medical treatments
Preventive Care & Wellness Packages
Support long-term health for individuals and families with:
- Individual & Family Vaccination
- Adult Vaccination
- Elderly Care Packages
- Genomics Screening Packages
- Weight Management Programmes
- Obesity Management Programmes
Fitness & Swimming Membership Plans
EMI can also be used for long-term wellness memberships at RxDx:
- Annual & Half-Yearly Fitness Memberships at RxDx SAMANVAY Gym, Malleswaram
- Annual & Half-Yearly Swimming Memberships at RxDx SAMANVAY, Malleswaram
Low-Cost vs. No-Cost EMI: The Key Differences
| Feature | No-Cost EMI | Low-Cost EMI |
|---|---|---|
| Best For | Short Tenures (e.g., 3 months) | Long Tenures (6+ months) |
| Interest Model | Interest is fully paid by RxDx. | Interest is shared between RxDx & the patient. |
| Patient’s Cost | Pays only the product price. No interest. | Pays the product price + a reduced interest rate. |
| Cost to RxDx | Higher (we absorb 100% of interest) | Lower (we absorb only a small portion of interest) |
Understanding No-Cost EMI
Let’s Walk Through a Real-World Example of No-Cost EMI
One Time Processing Fee
This is the only additional charge paid by the patient for any EMI transaction.
Putting It All Together: Who Pays What
The Patient
- Pays the full transaction amount via EMIs
(3 × ₹33,333 = ₹1,00,000) - Pays a one-time Processing Fee + GST (₹199 + ₹35.82)
- Benefit: Gets to pay the bill amount over 3 months with a zero interest cost.
RxDx
- RxDx absorbs the entire cost of financing charges to enable the offer.
The Bank
- Facilitates the transaction
- Collects fees from both parties, i.e., the Patient (Processing Fee) and RxDx (financing charges)
- Settles the final amount to RxDx after deducting its charges.
Decoding Low-Cost EMI
Low-Cost EMI is a Partnership Model
In a Low-Cost EMI, the interest cost is shared between RxDx and the patient.
This allows us to offer affordable payment plans for longer tenures (6+ months), which isn’t possible with No-Cost EMI.
Let’s Follow a Single Transaction from Start to Finish
From the Patient’s View: The Monthly Payment
₹8,933 per month
on a transaction of ₹1,00,000
You pay a small portion of the interest. Hence, the Low-cost EMI is slightly higher than a No-cost EMI. The monthly EMI remains significantly lower than that of a standard bank loan.
Full Breakdown of Cost to Patient
You pay a reduced interest rate for a low-cost EMI, but get a longer and more flexible tenure compared to a no-cost EMI.
Our Contribution: RxDx Absorbs the Following Costs
No-cost & low-cost EMI available on transactions above ₹3,000. Applicable on most credit cards. Enquire at reception or contact us via call, email, WhatsApp, or website.
Easy EMI at RxDx in a Snapshot
No-Cost or Low-Cost EMIs
Split your medical expenses into easy interest-free or nominal-interest instalments.
Flexible Tenure Options
Choose repayment periods of 3, 6, 9, 12, 18 or 24 months based on what suits your financial planning.
Wide Range of Service Eligibility
From wellness services to routine diagnostics to specialized treatments and Hearing Aids, a broad range of services qualify for EMI.
Quick Approvals
Fast approvals on active credit cards from any bank. Debit Card EMI options available with ICICI, HDFC, and Kotak Bank.
Insurance Claims
Patients with eligible insurance coverage may claim reimbursement from their insurers, making the process effectively cashless.
Minimum-Maximum Criteria
Minimum transaction value: Rs 3,000
Maximum amount: As per the patient’s credit card limit
Need Assistance?
- Our patient care team is always available to guide you through the EMI facility and help you pick the most suitable option.
- Enquire now and make your healthcare journey worry-free with RxDx.
Why Zero-Cost EMI Matters for Short-Stay Procedures
RxDx offers several minor surgical procedures that typically require hospitalisation of less than 48 hours, with many patients medically fit for discharge within 24 hours. In such cases, insurance cashless eligibility often depends on admission duration rather than clinical necessity, leading few patients to opt for higher-priced hospital settings. With RxDx’s Zero-Cost EMI facility, patients can access the same procedures at significantly lower, transparent prices without immediate out-of-pocket payment. As mostly, the first EMI is due only after 30 days, patients have adequate time to apply for insurance reimbursement, ensuring financial ease. This creates a win-win outcome: patients receive high-quality care at affordable costs, while insurance providers benefit from lower overall reimbursement amounts compared to higher-cost hospital procedures.
Frequently Asked Questions (FAQ)
What is EMI?
EMI means Equated Monthly Instalment. Instead of paying the full amount at once, you can pay it in fixed monthly instalments using your credit or eligible debit card.
What is a No-Cost EMI?
In No-Cost EMI, you pay only the bill amount, divided equally over the months.
There is no interest charged to you. RxDx Clinics bears the interest on your behalf.
Simple Example:
If your bill is ₹1,00,000 and you choose 3 months No-Cost EMI, you pay about ₹33,333 per month, totaling exactly ₹1,00,000.
What is a Low-Cost EMI?
In Low-Cost EMI, RxDx pays part of the interest, and you pay a small remaining portion. Because of this, the monthly EMI is slightly higher than No-Cost EMI, but still much lower than a normal EMI.
Simple Example:
For a ₹1,00,000 bill over 12 months, the EMI may be around ₹8,900 per month.
What is the difference between No-Cost EMI and Low-Cost EMI?
| Feature | No-Cost EMI | Low-Cost EMI |
| Tenure | 3 months | 6 months or more |
| Interest paid by patient | No | Partial |
| Monthly EMI | Lower | Slightly higher |
| Best for | Short-term payments | Longer flexibility |
Do I pay any extra charges in EMI?
Yes, the bank charges a standard processing fee, which is applicable on all EMI transactions. This is usually ₹199 or ₹299 plus GST, depending on the bank and tenure.
Does RxDx receive the full bill amount?
Yes. You pay the full bill amount through EMI.
Any interest or bank charges applicable are settled between RxDx and the bank, as per the EMI type selected.
Will EMI affect my credit card limit?
Yes. The full transaction amount will be blocked from your card limit initially.
As you pay each EMI, your available credit limit is gradually released.
Can I close the EMI early?
Yes, early closure is possible, but it is subject to bank rules.
Some banks may charge a foreclosure or pre-closure fee. You can check this directly with your card-issuing bank.
Can I convert any bill into EMI? What is the minimum purchase amount for EMI eligibility?
EMI is available only if:
- The bill amount is a minimum of ₹3,000
- Your card is eligible for EMI
- The bank offer is active on the POS machine”
Can EMI be split across multiple payments?
No. EMI must be done as one single transaction.
Splitting the bill into multiple EMIs is not allowed.
How do I know whether I’m choosing No-Cost or Low-Cost EMI?
We will clearly tell you the tenure and EMI amount before processing.
- 3 months means No-Cost EMI
- 6 months or more means Low-Cost EMI
We will proceed only after your confirmation.”
Is EMI safe and secure?
Yes. EMI transactions are processed through Pine Labs, using bank-approved and secure systems. Your card details and PIN are never visible to our staff.
