Hair Transplant

Get a loan for a hair transplant or dental braces in India

A lending company in India named Bajaj Finance which is a subsidiary of Bajaj Finserv is creating new consumer finance loans which are designed for health care and cosmetic surgeries. While there are forms of insurance coverage that can cover the cost of accidental healthcare emergencies, this is one of the first available to fund procedures like braces, stem cell storage, hair transplant and other cosmetic surgeries.

The loans are designed to fill the gaps in procedures which are not covered by insurance and it will be similar to any other consumer finance loan. Repayment of the loan takes place in installments over six months with minimal financing costs. The company has stated that it will not finance procedures which are deemed life-threatening as well.

The entire credit risk will fall onto the provider of this loan but an approval process still needs to be accepted before the loan is delivered. Most of the products that this lending partner regularly finances are discretionary. A credit report will have to be filed in order to qualify for this type of loan and the company is working with a number of leading surgeons across the country to set up a line of service.

With some of the other basic loans through Bajaj Finance, customers are allowed to purchase items with their loans through specified businesses. The same would be true with hair transplant and dental braces in India. By setting up service providers for their financing, the company can get a preferred rate on many of these cosmetic surgeries reducing overall costs.

Financial analysts of the company expect that this type of loan could receive a 10% market share in the loans industry. With only one Loan Company with a book value over $7 billion providing these services in North America, the market in India is expected to improve on this type of book value even further.  



Hairfear - 03-28-2015






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