Introduction: Access to healthcare is a fundamental right, yet millions of individuals around the world face barriers to quality medical treatments due to financial constraints. In response to this challenge, healthcare organizations have developed innovative solutions such as Tiered Patient Assistance Programs,(TPAPs) to ensure that patients receive the care they need regardless of their socio economic profile. The timely financial assistance gets further enhanced through Care Now Pay Later Options (CNPL) as they are called in the FinTech era. CNPL options / Medical loans provided by institutions like Arogya Finance offer a lifeline to those in need of immediate financial...