Financing your treatment
Take a medical loan or pay from your own funds.
After the treatment, we will recover the medical costs from the NHS.

Choose a method of financing your treatment

pozyczka na leczenie

Medical loan
– step by step

Before treatment

1. Contact us

If you have any questions about our services, please drop us a line using the contact form on the website or e-mail

2. Register in our system

To start using Med4EU’s services you will need to register in our system. Registration is equal to signing a contract for organisation of medical treatment. 

3. Let us know you are interested in a medical loan

During the registration process, let us know you are interested in a medical loan. 

4. Your credit score

Med4EU team will contact you within 24 hours in order to check your credit score. 

5. Read the terms and conditions of the loan

Our team will be happy to answer any questions you might have at this point.

6. Sign the loan contract

After accepting the terms and conditions of the loan, sign the contract and pay the Med4EU administrative fee.

7. Schedule the treatment

Choose one of our partner institutions which cover the whole of Poland – our consultants will help you choose the best clinic for your medical problem. 

8. Don’t pay for treatment yourself

As specified in the loan contract, treatment costs will be paid directly to the clinic, by means of a loan, without your involvement. 

After the treatment

Send us the rest of the documents confirming your residency

Some of the documents confirming your residency must be dated after the date of the treatment. Because of that, you will have to send us some of the documents once you return home after the treatment. 

Wait for the reimbursement

After the end of the treatment and upon receiving all necessary documentation, Med4EU will apply for a refund of treatment costs to the NHS. Recovered costs will be up to the initial treatment valuation by the NHS.

Pay the difference

Reimbursed money will be used to repay your medical loan. If the cost of treatment goes beyond the reimbursement rate, the difference is paid the patient. We will inform you about the expected levels of reimbursement prior to the start of the treatment. 

Costs incurred by the patient

After registering in our system, but before the start of Med4EU’s services, we will charge an administrative fee which covers all services related to administrative management of the treatment and reimbursement processes. The fee depends on the type of treatment that you will receive with Med4EU’s help.

 

After the admin fee is paid, we will proceed with coordinating necessary documentation, writing the reimbursement application to the NHS and handling all conversations with the NHS in the name of the patient. After the NHS confirms the value of reimbursement, Med4EU charges a success fee. From the success fee we subtract the amount of the admin fee. More information can be found in the Fee Table. 

 

In the case of taking a medical loan, both the interests and the fee for Med4EU guaranteeing the loan depend on patient’s individual situation. If you have any questions regarding the fees related to the medical loan, please do not hesitate to get in touch with us.  

How can I assess how much will the NHS reimburse me?

Under the EU cross-border healthcare directive, the NHS is obliged to reimburse the costs of treatment abroad only up to the amount of NHS treatment valuation.

 

This means that if the NHS valuates the treatment at  £1000 and the patient pays £1200, then the NHS refunds only £1,000 to the patient, and the patient has to pay the difference on their own. In cases where the cost of treatment in Poland is lower than the NHS, the NHS provides a full refund.

 

In the event of uncertainty in the area of ​​treatment valuation, prior to planned treatment, Med4EU will submit an application to the NHS asking for a quote. The necessity of this process is determined with each patient individually.

samofinansowanie

I don’t need a loan

Before treatment

1. Contact us

If you have any questions about our services, please drop us a line using the contact form on the website or e-mail.

2. Register in our system

To start using Med4EU’s services you will need to register in our system. Registration is equal to signing a contract for organisation of medical treatment.

3. Pay the admin fee

Following the registration in our system, pay the admin fee. Once the fee is paid, Med4EU will handle the administrative side of the treatment and cost recovery processes.

4. Schedule the treatment

Choose one of our partner institutions which cover the whole of Poland – our consultants will help you choose the best clinic for your medical problem.

5. Pay for the treatment

Pay for the treatment and keep all proofs of payment – including invoices and bills.

After treatment

Send us the rest of the documents

Some of the documents confirming your residency must be dated after the date of the treatment. Because of that, you will have to send us some of the documents once you return home after the treatment.

Wait for the reimbursement

After the end of the treatment and upon receiving all necessary documentation, Med4EU will apply for a refund of treatment costs to the NHS. Recovered costs will be up to the initial treatment valuation by the NHS.

Costs incurred by the patient

After registering in our system, but before the start of Med4EU’s services, we will charge an administrative fee which covers all services related to administrative management of the treatment and reimbursement processes. The fee depends on the type of treatment that you will receive with Med4EU’s help.

 

After the admin fee is paid, we will proceed with coordinating necessary documentation, writing the reimbursement application to the NHS and handling all conversations with the NHS in the name of the patient. After the NHS confirms the value of reimbursement, Med4EU charges a success fee. From the success fee we subtract the amount of the admin fee. More information can be found in the Fee Table.

How can I assess how much will the NHS reimburse me?

Under the EU cross-border healthcare directive, the NHS is obliged to reimburse the costs of treatment abroad only up to the amount of NHS treatment valuation.

 

This means that if the NHS valuates the treatment at  £1000 and the patient pays £1200, then the NHS refunds only £1,000 to the patient, and the patient has to pay the difference on their own. In cases where the cost of treatment in Poland is lower than the NHS, the NHS provides a full refund.

In the event of uncertainty in the area of ​​treatment pricing, prior to planned treatment, Med4EU will submit an application to the NHS asking for a quote. The necessity of this process is determined with each patient individually.

Do you have any questions about our services? Write to us!

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