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Nishwik for Hospitals

Technology and financial infrastructure
for hospitals.

Partner with Nishwik and enable your patients to convert medical bills into affordable EMIs — while your hospital receives the lender-disbursed sanctioned amount upfront. Better care outcomes. Collection risk on financed amounts sits with the regulated lender.

Partner Your Hospital → See How It Works
1
Platform for OPD/IPD, billing & pharmacy
100%
Lending decisions by the regulated lender
5–7
Days typical go-live
Everything for this sector

One sector. Every capability.

Software, payments, reconciliation and finance — finance is one solution here, not the whole story.

Hospital Management Software →
Patients, OPD/IPD, doctors, appointments — the full platform.
Billing →
Itemized, server-verified billing tied to treatment and pharmacy.
Pharmacy & Inventory →
FEFO dispensing, reorder alerts, margin intelligence — shipping now.
Payments & Reconciliation →
OPD, IPD and pharmacy collections in one reconciled stream.
Medical Finance (Bill EMI) →
Optional bill EMI for eligible patients via regulated partner NBFCs.
Affordable Hospital Software →
Clinic to multispeciality — scope sized to the hospital.
Enterprise Hospital Platform →
Chains: uniform discipline, one group picture.
Compare HMS →
The HMS evaluation checklist — bring it to every demo.
Hospital Software Cost Guide →
What drives HMS cost in India — modules, users, migration, support — so you can budget before any demo.
SaaS Platform Modules

One platform.
Every hospital billing workflow.

Nishwik Hospital Platform is a digital operating system for patient payment management — not just a payment link. Every module works alongside your existing HMS.

Patient Payment Dashboard
Single dashboard to track all patient bills, payment status, and EMI applications. Finance team sees everything — pending, approved, paid — in real time.
Core Module
💊
Medical EMI Workflow
Patients apply for EMI on their medical bills online. The NBFC partner assesses eligibility; on approval it pays the hospital the sanctioned amount. Collection risk on financed amounts sits with the regulated lender.
NBFC-Powered
Digital Billing & Receipts
Digital bills, payment links, and receipts sent directly to patients via WhatsApp and SMS. No paper. Fully traceable. Instant delivery on payment.
Paperless
Hospital Finance Dashboard
Real-time view of pending payments, approved EMIs, and total collections. Export reports for management and audit committees in one click.
Real-Time
📞
Patient Communication
Automated payment reminders, EMI confirmation, and receipt notifications via WhatsApp and SMS. Reduces billing queries at the front desk.
Automated
🔄
Pre-Admission Finance Check
Patients can check EMI eligibility before admission for planned procedures — reducing payment friction at discharge and improving bed utilisation.
Smart Workflow
Nishwik provides software and workflow solutions for hospitals and enables medical bill EMI through regulated NBFC partners. Final eligibility, rate, and terms are decided by the NBFC — not Nishwik.
Patient EMI Flow

Simple process.
Immediate relief.

From bill presentation to a lender decision, at the billing desk. Nishwik sits between the hospital and the patient, providing financial relief to one and payment assurance to the other.

1
Patient presents at billing desk
At discharge or before a procedure, the billing team presents the Nishwik EMI option. Patient scans a QR or gets an SMS link.
2
Patient applies quickly
Patient fills in basic details, selects an EMI tenure offered by the lender, and the NBFC partner assesses eligibility — timing depends on the lender
3
Hospital gets paid in full
The lending partner disburses the sanctioned bill amount to the hospital account, on the timeline set out in the lender's terms.
4
Patient repays monthly
Patient repays the lending partner in monthly instalments under the lender's loan agreement. Repayment and collection are the lender's responsibility under RBI fair-practices rules, not the hospital's or Nishwik's.
Hospital Billing Dashboard — Sample (Illustrative Data)
Today's Settlements Received
₹18.4L
Across 24 patient EMI applications
Rajesh Verma — Cardiac Surgery
₹3,40,000 · 18-month EMI approved
Settled ✓
Sunita Rao — Orthopaedic
₹85,000 · 6-month EMI approved
Settled ✓
Aditya Nair — Maternity
₹54,000 · 3-month EMI processing
Processing
Names, amounts and rates shown are illustrative, not customer results · Discharge clearance rate: 99.1% · Avg. settlement time: 22 hrs
Why Hospitals Partner

Better outcomes.
financed-amount credit risk resting with the regulated lender.

💸
Full Payment, Upfront
Your hospital receives 100% of the bill withon the lender's approved timelines (often within days of sanction). No more delayed payments, partial collections, or bad debt write-offs.
❤️
Better Patient Care
Patients who aren't worried about bills focus on recovery. EMI access means fewer premature discharges due to financial anxiety.
📈
Increase Elective Admissions
Offer EMI for elective procedures (orthopaedic, dental, cosmetic) and unlock a segment of patients who previously couldn't afford upfront payment.
Billing Dashboard
Real-time view of all patient EMI applications, settlements, and billing status — integrated into your existing hospital billing flow.
Reduce Discharge Delays
Financial clearance bottlenecks cleared instantly. Patient discharge is no longer held up by inability to pay the full bill upfront.
🧩
A Proposal Built for Your Hospital
Commercials are tailored to your hospital — bed count, departments, billing volume, and integration scope. Request a custom proposal for your setup.
Hospital FAQs

Questions from hospital admins.

Partner NBFC lenders can finance hospital bills including inpatient treatment, elective surgeries (orthopaedic, cardiac, cosmetic), outpatient procedures, diagnostics, maternity, ICU care, and dental. The amount that can be financed depends on the lender's assessment of the patient and its product limits, which are shown before you accept.
Yes. The regulated partner lender can finance the amount not covered by insurance (co-pay or deductible), subject to its assessment. If a patient's insurance covers 80% and they owe ₹60,000 out of pocket, that ₹60,000 can be converted into monthly EMIs through the regulated partner lender — bridging the insurance gap without additional stress.
Nishwik provides a billing desk widget and QR code for hospitals — no software integration required to start. For hospitals with existing HIS (Hospital Information Systems), we also offer API integration. Our hospital tech team handles the full setup during onboarding.
In cases where a patient's application is declined (typically due to very low credit data), the patient will need to pay by other means. However, Credit assessment methodology is determined by the regulated partner lender; depending on the lender, applicant profile and product, some products may use alternative underwriting, which can broaden access for some applicants. Approval is always the lender's decision.
The amount that can be financed depends on the lending partner's assessment of the patient and its product limits, which are shown before you accept. For very high-value bills, the partner lender may finance a portion via EMI while the patient or insurance covers the balance.
Before vs After

What changes when you join Nishwik.

⏱️ Without Nishwik
Patients request payment extensions informally
Hospital collects in instalments at its own risk
Bad debt provisions eat into hospital margins
Billing staff spend hours negotiating payments
No visibility on payment status per patient
Discharge delayed by payment disputes
✨ With Nishwik Hospital Platform
Patients get structured, NBFC-approved EMI plans
Eligible sanctioned amounts are disbursed to the hospital by the regulated partner lender
Credit risk on financed amounts sits with the regulated NBFC lender
Automated reminders handle patient communication
Real-time dashboard tracks every bill and payment
Discharge without a lump-sum payment if the lender approves EMI
Partnership Registration

Register your
hospital today.

Join the growing network of hospitals already partnered with Nishwik. Our hospital success team responds within 24 hours.

✓Request a custom proposal tailored to your hospital
✓Live in 5–7 business days
✓Billing desk QR provided on Day 1
✓Optional HIS API integration
✓Dedicated hospital success manager
📞 Prefer to speak with someone first?
Call our hospital partnerships team: 9699783260
Mon–Sat, 9 AM – 7 PM IST

Our team responds within 24 hours.

Registration received!

Our hospital partnerships team will be in touch within 24 hours. Thank you for choosing Nishwik.

Ready to Start?

Your hospital. Collection risk on financed amounts sits with the regulated lender.
Starting this month.

Join the hospitals on the Nishwik platform. Typical go-live within 5–7 days.

Request a Demo → Talk to the Team

Nishwik supports schools, hospitals, housing societies, and users across major Indian cities through its SaaS platform and partner-led financial network — including Mumbai, Thane, Navi Mumbai, Pune, Vasai-Virar, Palghar, Delhi NCR, Bengaluru, Hyderabad, Chennai, Ahmedabad, Surat, Jaipur, Lucknow, Indore, Nagpur, and Nashik. Availability of financial products may vary by partner, location, and eligibility.

Software Platform
Nishwik Hospital Management Software →
Explore the full hospital platform — patients, OPD/IPD, billing, pharmacy inventory, and reconciliation.