Bank offers medical intervention credit.
Medical interventions are not always paid for by the health insurance. Frequent reasons for self-payment are the classification of the measure as a cosmetic surgery and the lack of medical recognition of the planned measure. Treatments in clinics outside the EU are only paid for by statutory health insurance in exceptional cases. If the patient has to pay for his treatment himself, in many cases he needs a loan for medical interventions. There are various options for borrowing treatment.
The usual bank loan for medical interventions
In principle, any consumer loan can be used for medical interventions, since financial institutions do not ask for the purpose of the loan. This applies to online loan applications in any case, while bank employees occasionally inquire personally about the reason for the loan request. For cost reasons, it is generally advisable to apply for a loan for medical interventions online, since the interest rates for borrowing online are almost always lower than for applying for a loan in the branch. Patients can find the cheapest loan by carrying out a cost comparison that is easily possible online.
In the case of various interventions, it is possible to use the overdraft facility because the costs are lower than the available limit. Due to the high interest on overdraft facilities, this procedure is only advisable if the account holder can balance his checking account again within six months.
Activating the part payment function of a credit card is even more expensive in order to pay for medical interventions with the credit card account. If a credit card payment is possible in the clinic, patients should pay the full monthly card bill immediately after receipt for cost reasons.
The agreement of payment in installments and borrowing through specialist institutions
Because clinics advertise for patients, they often offer installment payments for treatments they pay for themselves. A partial payment agreement with the treating hospital is the simplest form of credit for medical interventions. However, in most clinics it is limited to six, in a few hospitals to twelve monthly installments.
In addition to traditional commercial banks, there are special banks on the market whose lending is only carried out for specified purposes. This includes banks that only grant credit for medical interventions and treatments. The lending rates of these special banks are usually lower than the rates of non-dedicated consumer loans from general banks. They also approve the credit needed for medical interventions more easily than general commercial banks.
The private loan for medical interventions
In addition to traditional banking institutions, patients can also apply for a loan for medical interventions via a website for private loan brokerage. Before lending, the lenders registered there first of all check whether they personally classify the specified purpose as eligible for funding.
For this reason, patients describe exactly how the treatment to be funded helps them in their loan request. At the same time, they state why their health insurance does not cover the treatment costs or what advantages the self-paid form of therapy has over health insurance benefits.
The data to be provided in credit inquiries are personal, but for privacy reasons, patients can still make them with confidence because private lenders and borrowers do not get to know each other from each other. These are only known to the platform operator, who also provides a communication option for any inquiries. The option of private borrowing for a medical intervention is also available to patients with poor credit ratings.