Legal analysis: There is no interest-free loan, but you can apply for assistance. The application process for serious illness assistance is as follows: 1. Fill in the examination and approval form for serious illness relief; 2, to the local township government (street offices) to apply for serious medical assistance; 3. Submit hospitalization invoices, discharge summary and other materials; 4, in line with the conditions, the issuance of relief funds.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.