Finance your Treatment

Bancolombia Agreement

1. Rates:
– The bank’s preferential customers: 1.35 %. To be eligible to this rate, the bank validates whether the patient belongs to the segment.
– Personal plus Customers, those whose income is above $1,100,000:
a. Amounts between $1,000,000 and $10,000,000: 1.8 % or 1.9 % depending on the segment that the customer has in the bank.
b. Amounts higher than $10,000,000: 1.6%. Special rate which was authorized exclusively for inSer patients.

2. Term:
Between 12 and 60 months, depending on the borrowing capacity and subject to verification from the credit bureau and income support documentation.

3. Debt disbursement & payment:
– The money is disbursed to the patient’s account and he/she is responsible for paying to inSer, or it may be deposited into inSer account with prior authorization from the customer.
– The patient may request an amount higher than the cost of the treatment, in order to use the money for the purchase of medicines or for personal use.
– Loans may be paid in advance at any time or portions may be credited to the principal, without generating any penalties.

4. Methodology:
– Bancolombia data update form will be available in each of the headquarters, which must be completed by the patient for pre-approval.
– InSer sends this form to Bancolombia either digitalized or by fax.
– Bancolombia carries out the study that same day or no later than the next day. If the loan is pre-approved, the bank will contact the patient to collect the necessary documentation to legalize the loan, and will inform inSer that the credit has been pre-approved and after the study is completed, it will inform its approval.

 

5. Bancolombia Consultants:
Each one of inSer headquarters will have an office and a consultant assigned, as described below:

– BOGOTA
Manager: Maria Mercedes Anzola Rojas
Consultant: Sandra Liliana Rangel
Consultant’s telephone number: 612 2198 Ext. 141
Office: Centro Comercial Santa Barbara

– MEDELLIN:
Manager: Diana Zapata Londoño
Consultant: Tulia Andrea Gil Giraldo
Consultant’s telephone number: 444 6930 Ext. 143
Office: Avenida el Poblado

– PEREIRA:
Manager: Fabian Andres Mejía Pulgarín
Consultant: Angela Maria Campos Giraldo
Consultant’s telephone number: 316 5690 Ext. 141
Office: Circunvalar Pereira

Helmbank Agreement

1. Minimum Income required:
N/A

2. Documents required:
– Enrollment Form.
– Photocopy of the citizenship I.D card enlarged at 150 %.
– Letter of employment or income certificate signed by a public accountant.

3. Minimum Amount:
From $1,000,000, up to 100% of the treatment (subject to payment capacity).

4. Time of study:
1 business day after the collection of the all the documentation

5. Methodology:
– The financing request form will be available in each of the headquarters, which must be completed by the patient for pre-approval.
– InSer sends this form to HelmBank by e-mail. Helmvita@grupohelm.com , or by fax.
– If the credit department pre-approves the loan, the bank will contact the patient to schedule an appointment at the bank offices.
– From this time, a business day will be counted to give an answer regarding the loan to both the patient and inSer.
– HelmBank disburses the money into inSer account a day after the approval.

6. Study commission:
$10,000 charged in the first installment, which will be transferred to Fenalco.

7. Endorsement commission:
It is 3.4 +VAT of the disbursed value, which will be charged only once in the first installment.

Servicrédito Agreement

1. Product:
It is a line of establishments.

2. Rate:
1.9%.

3. Term:
For low and medium complexity treatments the term is 36 months, and 48 months for those of high complexity.

4. Approvals:
Amount below $ 3MM: it only requires a copy of the citizenship identity card and to the vehicle registration – approval within 6 hours.
Amount greater than $ 3MM: you must certify income (letter of employment, certificate of income and withholding, assets, among others) – approval within 2 working days.

5. Methodology:
– The financing request form will be available in each headquarters, which must be completed by the patient for pre-approval.
– InSer sends this form to Servicrédito.
– If the credit department pre-approves the loan, the bank will contact the patient.

6. Disbursement:
The money is disbursed to the patient’s account and he/she is responsible for paying to inSer