From the Healthcare Facilities Fund (ZVF), you can borrow money at a low interest rate of 2% to pay for the additional costs of basic health insurance. This fund is managed by the Basic Care Implementation Agency, and the administration is handled by VCB Bank.

WHAT CAN YOU USE THE HEALTHCARE FACILITIES FUND FOR?

When receiving care, you sometimes need to make a personal contribution. You usually don’t have this money readily available. This is where the Healthcare Facilities Fund comes in!

For example, if you need to pay extra for an operation, expensive medication, or glasses, and your insurance doesn’t cover all costs and you’re unable to pay the personal contribution immediately, you can borrow from the ZVF. You can also borrow from the ZVF to pay overdue premiums or to pay the annual premium in advance.

ADVANTAGES OF THE HEALTHCARE FACILITIES FUND

• Very low interest rate of 2% per year;
• Repayment not more than 10% of net monthly income;
• Repayment period is maximum 10 years;
• Debt forgiveness in case of death;
• Direct payment to healthcare provider;
• Care is guaranteed.

WHAT ARE THE CONDITIONS?

• Ability to repay the loan;
• Have a steady income or guarantor;
• Self-employed: income overview of the past 3 months;
• Have at least basic health insurance;
• Invoice from the service provider;
• Letter regarding the health insurer’s contribution.

HOW DOES THE HEALTHCARE FACILITIES FUND WORK?

Because we insure ourselves as a society, we all pay premiums together. The Health Insurers deposit 3% of the premium we pay into the Healthcare Facilities Fund.

Fill out this application form to be eligible for a loan from the Healthcare Facilities Fund. You can borrow from this fund if you can’t immediately pay the extra costs for, for example, your operation or medications. Borrow from the fund at a low interest rate of only 2% per year!