The compulsory benefits of the statutory health insurance companies increasingly include fewer benefits, especially when it comes to difficult to prove medical necessities or purely aesthetic interventions, many operations are not covered by the health insurance company. Depending on the type of surgery, whether it is a “classic” operation, such as breast enlargement or reduction, scars should be removed, a nose needs to be straightened or whether a vision correction or a dental procedure is advised: are not uncommon linked by a subjectively unsightly designed body also psychological consequences, which put patients under pressure.
However, not all patients can overcome the hurdle of the health insurance company and demonstrate this suffering. Others are aware that the desired operation is primarily for cosmetic purposes. And yet you may want to have it done. Depending on the concerns, patients then start looking for a loan for medical interventions, especially since, in addition to the pure costs of surgery, other costs such as hospitalization or transport are also incurred, which are borne even if part of it is covered by the health insurance have to.
Medical intervention loan: an installment loan from the bank of trust?
Once a patient has entered into negotiations with the health insurance company and explored whether and which proportion of the operating costs incurred may be borne there, the search for a loan for medical interventions remains a necessity. The first point of contact in search of a loan for medical interventions is usually the house bank, which in such a case, with the appropriate creditworthiness and positive Credit Bureau characteristics, will offer a so-called private installment loan. However, the patient does not always go well with this, as the interest rates for this are usually between 5 and 10%.
Everything in one hand: credit for medical interventions directly from the surgeon?
Another alternative that is uncoupled from the banks is direct negotiation with the doctor or hospital treating you. Depending on the term, patients are offered loans at minimal interest rates or from the start (with very short terms) also interest-free installment payments. However, this is about negotiation skills and the goodwill of the clinics. Another possibility of obtaining a loan for medical interventions is the cooperation of the clinics with separate lenders, who, however, only make their loans available for a specific purpose, but with whom special conditions can also be negotiated if necessary.
The customer also receives a – dedicated or non-dedicated – credit for medical interventions from the direct banks on the Internet, such as Cream Bank or Finebank, or from private financial service providers who serve both as a broker between customers and major banks or themselves provide. The important thing here is to find out who has the best conditions and the most reliable reputation. Ideal for this is contacting consumer protection or information about other independent testers, such as the German State Company.
Who gets the loan for medical interventions – and under what conditions?
As a rule, it is customary, especially when it comes to purely aesthetic operations, to only grant loans for medical interventions on the basis of a credit check. This provides both the lender and the borrower with the security that neither party will ultimately be left at the expense or debt.