No-cost EMI usually means the interest component is offset by a discount from the hospital or platform, so you repay only the treatment cost in instalments. It is not the same as a zero-interest loan from the lender — the cost is absorbed elsewhere in the transaction. Always ask for the full cost breakup before signing.

Ask about the surgeon's case volume for this exact procedure, the implant brand and warranty, expected hospital stay, physiotherapy plan, and what is and isn't included in the quoted package price.

Look beyond star ratings: check accreditation (NABH/JCI), ask for the surgeon's specific experience, compare package inclusions, and confirm whether EMI or insurance cashless support is available on-site.

Most lenders ask for identity and address proof, income proof (salary slips or bank statements), and the hospital's treatment cost estimate. Having these ready can speed up approval significantly.