Payments & Refunds
Direct billing transparency and hospital refund coordination
Direct Billing to Hospital
At Massvaa Care, we enforce a strict Direct Billing Policy. You do not pay us for your medical treatment. All payments for diagnostic tests, surgeries, ward stays, medications, and clinical implants are made directly to the official billing desk or bank account of the treating hospital.
The hospital
Bills your treatment, rooms, medicines and implants directly and issues its own receipts. Deposits and refunds are between you and the hospital.
Massvaa Care
Charges a service fee for coordination only. What it covers, when it is due and what happens if you cancel are set out in writing before you proceed, and we issue a GST invoice for it.
Others you may pay
Airlines, guest houses, the visa portal and, if needed, an air-ambulance operator are paid directly by you. We do not collect these payments.
Accepted Payment Methods
Our partner hospitals accept the following payment methods:
Bank Wire Transfer (SWIFT)
Direct transfer to the hospital’s corporate account. Recommended for pre-travel deposits.
Credit/Debit Cards
Major international cards (Visa, Mastercard) are accepted. Foreign transaction fees and daily limits may apply depending on your home bank.
Cash
Major currencies (USD, EUR, GBP) can be changed at authorised exchange counters, subject to Indian foreign-exchange rules and passport verification.
Wire Transfer Timelines
International bank wire transfers (SWIFT) typically take 3 to 5 business days to clear in the hospital's Indian bank account. If you plan to pay via wire transfer:
Initiate the transfer at least 7 to 10 days before your travel date.
Request a Swift Confirmation copy from your bank.
Share the swift copy with your Massvaa Care coordinator so we can verify pre-admission clearance with the hospital finance team.
Refund Processing
If you pay a pre-admission deposit to the hospital and your actual treatment cost is lower than the deposit, or if the treatment is cancelled/modified based on clinical evaluations:
Hospital Refund Policy
Refunds are processed solely by the treating hospital according to its internal billing guidelines. Massvaa Care cannot issue refunds on behalf of the hospital.
Refund Timeline
Hospital refunds for international bank transfers or card payments typically take 15 to 30 business days to credit back to the original account.
Facilitator Coordination
Our coordinators help you fill in the hospital’s refund forms and track the approval with its finance department before you leave.
Our own service fee is refunded, if at all, only as set out in the written terms you receive before you proceed. Ask your coordinator if anything is unclear.