Where better to take out a loan for medical treatment
Posted on Oct 31, 2000 08:15:27 AM
Polyclinic instead of the bank
Targeted health credit program is better not to look at banks and in medical facilities. Choose a commercial clinic, you need a crucial issue, which is not covered by insurance, and go and ask the question about the possibility of credit services. Typically, the clinic working with one bank, so that the choice of loan programs do not. The doctor expects, in what the cost will manage your treatment, and this amount (or part of it, if you have even a little cash) is requested from the bank.
“Conditions at the target medkreditovanii depend on the desired amount and duration, – has told the head of department on work with credit customers one of the centers of diagnosis and treatment Artyukhova, Irina – usually, the longer the term of the loan, the higher the interest rate. For up to six months, some banks do not offer credit, and installment, and it turns out that the customer does not pay in excess of the cost of treatment. But when a large amount and duration of payments on the loan over one year interest exceeds 20% per annum. ”
“If the amount required for the amendment of health, above 7-10 thousand dollars or medical problem is considered dangerous to life, the bank may require the borrower guarantors – explains the employee loan brokerage agency Philippe Fedorov. – It is assumed that in case of death of the borrower, they will be able to repay. As an option – bankers may insist on life insurance and disability of the borrower, but do it with a serious heart surgery unrealistic, and the cost of such insurance far exceeds the loan itself. ”
Pros and cons
Pluses trust loan for medical treatment: it eliminates the hassle of cash, and interest thereon are often less than the loan for emergency needs.
However, the cons enough: with a serious illness requiring long-term treatment, get a loan can not be cured or credit is too expensive. In addition, there are cases when the clinic artificially inflate the cost of treatment – or simply enters in the amount of the figure is much higher the official price list, and can deduct the procedures that the patient either not made at all or have been made, but were not objectively necessary.
Credit not given for all treatments. The most common credit dentistry and cosmetic surgery. Very much in demand, but so far little developed Gynecology (first IVF births) and high-tech surgery, including eye surgery “.
In practice, it turns out that if the treatment will be small and inexpensive, advantageous to apply for target credit. In other cases, it makes sense to use the loan for emergency needs, which report the expenditure of funds is optional.
Deduction for medical treatment
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