Payment

Cost, EMI & Payment Options

Instalment options are available through third-party finance providers. The clinic does not lend money and does not set the terms — so the useful thing this page can do is explain how medical EMI actually works, including the parts that are normally left to the finance provider to disclose.

What a procedure costs, and why, is covered separately on hair transplant cost in Gurgaon. This page is about how it is paid for.

Get a Written Estimate Ask About Payment

Itemised estimate before you book a date
Nothing added on the day of the procedure
Finance terms explained before you commit
The total payable, in writing, not just the monthly figure

Written, itemised treatment estimate being explained at the consultation

Quoted & reviewed by

Dr. Nyra

MBBS, MD (Dermatology) · Owner & Chief Consultant, DenceSpot Clinic

Before anything is paid

You Get the Figure in Writing First

No payment discussion happens before there is an estimate to discuss. The estimate is produced after clinical assessment, it is itemised, and it names anything that falls outside it. The number on that document is the number payable.

Assessment

Donor area mapped, graft count established zone by zone, technique decided. Nothing is quoted from a photograph alone.

Itemised estimate

Procedure, anaesthesia, medication, aftercare and follow-up reviews listed individually — plus anything quoted separately, named rather than omitted.

Then payment

Outright or by instalment. If you choose finance, the total payable over the full tenure is put in front of you, not just the monthly figure.

Accepted methods

How You Can Pay

Every payment is receipted against your itemised estimate.

Payment methods accepted at DenceSpot Clinic
Method	Notes
UPI	Accepted at the clinic [CONFIRM]
Debit / credit card	Accepted at the clinic [CONFIRM]
Bank transfer / NEFT	Accepted at the clinic [CONFIRM]
Cash	Subject to statutory limits [CONFIRM]
Card EMI	Through your own bank, on an eligible card [CONFIRM]
Third-party medical loan	Through a finance provider, subject to approval [CONFIRM]

⚠ Placeholder — clinic sign-off required

The accepted-methods list, the deposit policy, the finance providers the clinic works with and the cancellation terms are all awaiting confirmation. Do not publish this page until they are supplied. A wrong finance term is not an SEO error — it is a consumer-protection one.

How medical EMI works

The Agreement Is With the Lender, Not the Clinic

This is the part most often misunderstood. When you take an instalment plan for a medical procedure, the clinic is paid in full by a finance provider, and you then repay the provider. Your contract is with them.

That matters in three practical ways. Interest, tenure and eligibility are set by the provider and cannot be waived by the clinic. Missed payments affect your credit record, not your treatment. And cancelling treatment does not automatically cancel the loan — that has to be resolved with the provider separately.

None of this is a reason to avoid EMI. It is a reason to read whose name is on the document before signing it.

Discuss Options at Consultation

Card EMI vs medical loan

Card EMI converts the payment on your existing credit card into instalments through your own bank. Approval is usually immediate, tenure is typically short, and the terms come from your bank.

A medical loan is a separate facility from a finance provider, generally allowing longer tenures and larger amounts. It normally involves a credit check and a processing fee.

Which is available to you depends on your own eligibility, not on the clinic.

On "50% off" offers

Discount-led promotion is common in this market. A procedure priced to be halved was not priced honestly to begin with, and a per-graft rate discounted against an inflated graft count is not a saving. Compare the total payable, not the percentage removed from a number you were never shown.

Before you sign

Six Questions Worth Asking Any Provider

Ask these of whichever clinic and whichever lender you end up using — including this one. A provider that answers all six plainly is one worth dealing with.

Is it genuinely no-cost, or is the interest built into the price?

A "0% EMI" is often funded by a discount the clinic gives up, or by a higher headline price. Ask what the total payable is on EMI versus paying outright. If the two numbers differ, the difference is the cost of the finance.

What is the processing fee?

Most medical finance carries a one-time processing fee, and it is frequently quoted separately from the interest rate. It is part of what you pay. Ask for the figure in rupees, not as a percentage.

Who is the lender, and what happens if I miss a payment?

The agreement is with the finance provider, not with the clinic. Late payment affects your credit record, and the clinic cannot waive a lender's charge. Read whose name is on the document.

Does approval depend on a credit check?

Usually yes, and a hard enquiry is recorded. If you are applying for a home or vehicle loan in the near future, it is worth knowing that before you apply rather than after.

What is the total payable over the full tenure?

The only number that matters. A low monthly instalment over a long tenure can cost considerably more overall than a higher instalment over a short one. Ask for the total, in writing, before you sign.

Can I prepay or foreclose, and is there a charge?

Some agreements allow early settlement without penalty; others charge for it. If there is any chance you will clear the balance early, establish this at the outset.

Insurance

What Insurance Does and Does Not Cover

Indian health insurers generally treat hair transplantation for pattern hair loss as a cosmetic procedure, which means it is normally paid for privately. That is the answer for the large majority of patients.

Restoration following burns, trauma, surgical scarring or certain medical conditions is occasionally assessed differently. If your case falls into that category it is worth asking your insurer directly, in writing, before assuming either answer — and the clinic can provide clinical documentation to support an enquiry.

What you receive

An itemised written estimate before booking
A receipt for every payment made
Clinical documentation on request
Anything quoted separately, named in the estimate

How pricing is calculated

FAQs

Payment Questions, Answered

Finance terms are set by the provider. Anything specific to your plan is confirmed in writing before you commit.

Ask on WhatsApp

Do you offer EMI for a hair transplant?

Instalment options are available through third-party finance providers, subject to their approval. The clinic does not lend money itself and does not set the terms — interest, tenure, eligibility and any fees are decided by the provider. What we do is explain the options clearly and give you the total figure in writing before you commit to anything.

Is the EMI genuinely interest-free?

Sometimes, and sometimes not — it depends entirely on the provider and the plan. Where a plan is described as no-cost, ask what the total payable is on EMI compared with paying outright. If those two numbers differ, the difference is the cost of the finance, wherever it has been placed. That is a fair question to ask any clinic, including this one.

How much deposit do I need to pay?

[CONFIRM] — the clinic's deposit policy has not yet been signed off for publication. It will be stated here explicitly, along with what the deposit secures and under what circumstances it is refundable, rather than left to be discovered at the point of booking.

What payment methods do you accept?

UPI, cards, bank transfer and cash are the usual routes, and card EMI is available through your own bank on an eligible card. [CONFIRM] the exact list with the clinic before relying on it. Whatever you pay by, you get a receipt and an itemised estimate — the amount on the estimate is the amount payable.

Will my health insurance cover a hair transplant?

Generally no. Indian health insurers treat hair transplantation for pattern hair loss as a cosmetic procedure, so it is normally paid privately. Reconstruction following burns, trauma, surgery or certain medical conditions is occasionally assessed differently — that is a question for your insurer directly, and worth asking in writing before you assume either answer.

Can I pay in stages if my treatment is staged?

Where extensive loss is planned across more than one session, the sessions are separated by months and are quoted and paid for separately. You are not asked to pay for a second session before it has been assessed and agreed — and whether a second session is needed is a clinical judgement made at your review, not a commitment made in advance.

Are there any costs added on the day of the procedure?

No. The estimate is itemised before you book a date, and anything not included in it is named in the document rather than discovered afterwards. If your plan changes clinically between the assessment and the procedure, that is discussed and re-quoted before anything proceeds.

Is a cheaper quote elsewhere worth taking?

Possibly — but compare the right things. Ask who physically performs the extraction and placement and whether they are a doctor, how the graft number was arrived at, and what the price includes. A low per-graft rate applied to an inflated graft count costs more than an honest quote at a higher rate. See how a hair transplant is priced.

What if I want to cancel?

[CONFIRM] — the cancellation and refund policy is awaiting sign-off and will be published here in full. If you have already entered a finance agreement, note that the agreement is with the lender and cancelling treatment does not automatically cancel the loan; that has to be handled with the provider.

Next step

Get an Itemised Estimate First

Payment options are worth discussing once there is a real figure to discuss. Book an assessment and you leave with a written, itemised estimate — then decide how you want to pay it.

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Suitability is determined after clinical assessment. This page is patient education and does not constitute medical advice.

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