When Health Hits Hard, So Can Expenses
A single hospital bill can wipe out months of savings.
Whether it’s a sudden accident, surgery, or ICU admission—medical emergencies don’t just affect your body; they shake your wallet too.
So how can you stay prepared financially even when life throws a health crisis your way?
Here’s how Vizzve Finance helps you build a smart, stress-proof system—before and after emergencies strike.
🚑 Real Costs, Real Shock
Let’s break it down:
₹8,000–₹20,000: ER consultation & diagnostic tests
₹60,000–₹3,00,000: Surgery or hospitalization (private hospitals)
₹500–₹2,000/day: Medicines & post-treatment care
₹0: Insurance coverage for 40% of Indians
Yes—most people have no cushion.
And in panic, they swipe credit cards, borrow at high interest, or liquidate long-term investments.
💡 Step-by-Step Guide to Handle Medical Emergencies Without Going Broke
🏦 Step 1: Build a Health Emergency Fund
Start small. Save ₹500–₹1,000/month into a dedicated medical savings fund.
Use Vizzve’s auto-save tool with a goal tag: “Health Emergency Only”
In a year, you’ll have ₹12,000+—no stress, no excuses.
🏥 Step 2: Know Your Insurance (or Get Basic Coverage)
Read your health policy: What’s covered, what’s not?
No insurance? Use Vizzve’s partner tie-ups to find affordable options
Always keep insurance card & digital copies ready
💡 Pro Tip: Many employer insurances don’t cover family fully—get a top-up.
💳 Step 3: Avoid High-Interest Debt
In panic, people swipe cards or take instant loans at 20%–40% interest.
Instead, Vizzve offers emergency micro-loans—with transparent terms and lower rates.
Apply in-app. Instant decision. No paperwork chaos when you’re already stressed.
📝 Step 4: Digitize and Organize Medical Docs
Store:
Test reports
Prescriptions
Hospital bills
Insurance claim forms
Vizzve’s medical record vault keeps everything sorted for fast claims or reimbursements.
💸 Step 5: Talk to the Hospital Finance Desk
Most hospitals offer:
Installment plans
Discounts for upfront payment
Help with government schemes (like Ayushman Bharat)
Don't hesitate to ask. Every ₹1,000 saved matters.
🧑⚕️ Real Story: Neha’s Emergency C-Section
Neha’s C-section came a month early. The cost? ₹1.8 lakhs.
But because she had:
A ₹25,000 Vizzve medical fund
Group insurance for ₹1 lakh
Quick-access micro-loan via Vizzve
She managed it all without debt, delays, or panic.
💼 How Vizzve Finance Can Help in a Health Crisis
With Vizzve You Get:
✅ Goal-based emergency fund builder
✅ Affordable micro-loans with transparent terms
✅ Trackable medical spends
✅ Document storage for insurance processing
✅ Health insurance discovery assistance
🧠 FAQs
Q1: What if I can’t afford to save much right now?
Even ₹10/day = ₹300/month = ₹3,600/year. Vizzve makes micro-saving automatic and painless.
Q2: What if my insurance claim is delayed?
Use Vizzve’s emergency credit while your claim processes—avoid credit card debt or borrowing from family.
Q3: Can Vizzve help with long-term health goals too?
Yes! Set up funds for child birth, surgery, or even regular medication. Vizzve helps track, save, and plan smartly.
Published on : 8th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.