Six in 10 patients drop-off after consultation due to financing delays: Survey

New Delhi: Monetary constraints and sluggish financing approvals are rising as a significant barrier in India’s elective healthcare sector, with practically six in 10 patients leaving clinics with out therapy after consultation, in accordance to a nationwide survey by CarePay, a fintech platform for healthcare monetary inclusion.

The survey of three,100 wellness and elective healthcare clinics discovered that monetary liquidity not lack of affected person intent is the largest motive for therapy drop-offs after consultation. Procedures similar to IVF, dermatology, cosmetology, dental and wellness therapies typically require upfront funds, with IVF cycles costing round
Rs. 1.2 to 1.5 lakh, pushing many patients to search financing choices.

Clinics reported that sluggish approval processes, unsure financing outcomes, or outright rejection of loans ceaselessly lead patients to abandon therapy plans on the fee stage.

In accordance to the examine, 41 per cent of premium clinics say most patients now demand no-cost EMI choices, and 89 per cent of clinics advocate embedded multi-lender financing techniques to enhance therapy conversion charges.

“Patients aren’t refusing therapy as a result of they can’t pay upfront. Wellness care in India has turn into aspirational and high-ticket, however family money flows haven’t saved tempo,” stated Gaurav Gupta, Co-Founder and CEO, CarePay.

The survey highlights that over 52 per cent of clinics expertise greater than 20 per cent affected person drop-offs publish consultation when financing is unavailable, whereas 16 per cent report drop-offs exceeding 40 per cent.

Clinics utilizing embedded financing options reported quicker therapy selections (51 per cent ), fewer drop-offs (30 per cent ), and better therapy worth (19 per cent). The power to verify financing eligibility inside 30 seconds was cited as a key issue in sustaining affected person momentum after consultations.

India’s wellness and elective healthcare market, estimated at over $50 billion in 2025 and projected to attain $100 billion by 2030, stays largely out-of-pocket and credit-underserved, making financing infrastructure more and more essential for clinics in search of to convert consultations into therapies.

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