apply for a loan for surgery
Health and Business

How To Get A Loan For Breast Surgery

Many people hate the concept of health insurance, even if they are aware that getting insured is one of the many things we need to do as adults. You won’t appreciate the importance of health insurance until the moment comes when you need one. And no, I’m not talking about your beloved fotona laser treatment; I’m talking about actual emergencies. What most people fail to realise is that we are only mortals. We get hurt, we get hospitalized and nobody is exempted from death.

As medical assistance can never be delayed (and care usually comes with after paying up), most people would benefit from having health insurance to cover unexpected expenses.  Breast surgery, depending on what type of surgery you are after, will cost a lot. Regardless, it’s a very popular procedure today. Women are using this surgery both for implants and reductions. Note that it’s important to look at breast reduction before and after photos, in order to get realistic expectations here. Some women choose to do it as a way of indulging in something that enhances their beauty. On the other end of the spectrum, though, some may be in dire need of surgery because it poses a threat to their health (e.g. a cyst that could evolve into a cancer tumor). And that’s where the importance of saving money and having insurance become helpful. If you can’t afford insurance, however, a loan might be your only option. In consideration of this, knowing how to get a loan for breast surgery may come in handy. So here’s how to do it:

  • Start with a full medical check-up

This is necessary to have sufficient and authentic medical records to show the person who will approve the loan application. You can also do this to double-check how your condition is progressing. The doctor can tell you at what rate your condition is developing or decreasing. Either way, it’s great for awareness purposes.

  • Prove to them that you can pay the loan

Presenting telephone bills, monthly rent receipts, and credit card payments may be required when applying for a loan. This information adds to your credit score, which banks and loan offices check strictly. You need to prove that you will be paying back the loan on time, and that you have the means to do so. It’s a way for them to check your behaviour regarding bill payments and knowledge of economics. Are you honest? Do you pay on time? You need to find a way to prove it! 

  • Ask yourself whether you should be paying for this particular procedure with a loan

Check your health insurance, first via human resources or an app. Read about the procedures you are entitled to as part of your coverage. Usually, if a surgical procedure is to aid wellness and if it serves the purpose of saving your life, you may be entitled to certain coverage. Knowing this could help you avoid having to borrow a large sum of money. But if it’s for aesthetics and reconstruction, know whether it’s considered in the first place or not by your health insurance.

  • Submit your application in good faith

Remember that technically, you are asking for their help. Or that you are asking for a favour. Therefore, don’t come to their office with an incomplete application and expect that your wish will be granted right away. Present yourself diligently, as this may also be gauged by providers, as part of your assessment. Your outer appearance involving how you take care of yourself, if your clothes are ironed or whether your hair is combed, can say a lot about the kind of person you are. If your hair is messy and frizzy, it could denote disorganization. If your shirt buttons are hardly keeping your shirt closed, it may tell the loan officer of your neglect for yourself. Therefore, you might neglect your duties to pay. If you forget a requirement, you might be perceived as somebody who will often forget when the payback time is every month.

Moreover, strive to fill up the application form with no mistakes or messy erasures. Staple the requirements altogether or put them all inside a manila envelope.

When you loan money from the bank, it is rare to be questioned as to where and how the loaned money is going to be used. Banks care more about how and if you’re going to pay the monthly dues. The most important thing to remember is to only borrow money if you can afford to pay it back. 

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