Medical Loan: Finance Healthcare Costs Flexibly
Which Medical Costs Can You Finance With a Medical Loan?
The medical loan is not limited to a specific type of treatment. As a consumer loan with no restricted purpose, it basically covers any medical expense. For surgeries and procedure costs such as laser eye surgery, hip replacement, disc surgery, carpal tunnel syndrome or hernia, health insurance often only covers part of it. It finances your deductible and the additional costs.
In dentistry, implants, crowns and bridges only partially count toward basic insurance. Anyone who wants to afford high-quality dentures pays flexibly in installments instead of all at once. A laser eye correction (LASIK or PRK) costs between CHF 4'000 and CHF 6'000 per eye, health insurance covers none of it. It makes the treatment affordable.
Even for therapies and wellness treatments such as psychotherapy, physiotherapy or occupational therapy, some health insurers only pay a part. Anyone wanting more sessions or private therapists finances the difference through the healthcare loan. The same applies to cosmetic surgery and cosmetic procedures: if health insurance doesn't pay because it's about beauty rather than medical necessity, it steps in.
Fertility treatments such as in-vitro fertilization (IVF), ICSI or hormone treatments cost several thousand francs depending on the clinic and cycle, health insurance often contributes little or nothing. And after surgery or an accident you sometimes need rehabilitation that goes beyond basic insurance, it is meant for that too.
Why You Should Apply for the Medical Loan Through privatkredit.ch
Who Gets a Medical Loan?
The basic requirements for it correspond to those of a regular consumer loan, your treatment itself plays no role for the bank.
A Medical Loan in Four Steps
Request
You submit your request online in a few minutes, no registration, no cost estimate from your doctor.
Application
We prepare your application and forward it to matching Swiss banks, based on your creditworthiness and income.
Loan offer
Within 24 hours you receive several loan offers to compare, you choose the offer that suits you.
Loan agreement
After signing the contract, the 14-day withdrawal period runs (Art. 16 CCA), after which the money is paid out to your account within a few business days, for free use.
What Do Typical Medical Treatments Cost?
So you can assess how much loan you actually need, here is an overview of common treatment costs in Switzerland.
| Treatment | Cost Range | Example |
|---|---|---|
| Laser eye surgery (LASIK, both eyes) | CHF 4'000-6'000 | CHF 5'500 |
| Dental implant per tooth | CHF 2'500-4'000 | CHF 3'500 |
| Knee surgery (meniscus) | CHF 10'000-25'000 | CHF 15'000 |
| Fertility treatment (IVF) | CHF 5'000-15'000 | CHF 10'000 |
| Breast surgery | CHF 8'000-15'000 | CHF 12'000 |
| Psychotherapy (20 private sessions) | CHF 3'000-5'000 | CHF 4'000 |
| Hip replacement (out-of-pocket costs) | CHF 5'000-12'000 | CHF 8'000 |
All amounts are benchmarks and may vary depending on clinic, doctor and region.
What to Know Before Applying
The deductible is the crux
For almost all treatments, you first pay yourself until your deductible (choosable between CHF 300 and CHF 2'500) is reached. After that, a percentage co-payment (usually 10%) applies up to a ceiling of CHF 700 per year. For larger procedures, a considerable amount can add up this way, exactly where financing becomes relevant.
What basic insurance doesn't pay
Treatments without a medical indication, dental treatments and dentures without an accident cause, alternative medicine, laser eye surgery, vision aids as well as cosmetic procedures are generally not covered by basic insurance (KVG). Check before treatment what your insurer actually covers.
Legal framework (CCA)
Consumer loans up to CHF 80'000 are subject to the Consumer Credit Act and thus to the statutory maximum interest rate of 10% effective annual interest. That is the statutory ceiling, not the market rate: medical loans through privatkredit.ch range between 4.9% and 9.95%. Early repayment is possible at any time without an early repayment penalty (Art. 17 CCA), the withdrawal period is 14 days (Art. 16 CCA).
Check alternatives
A specialized dental loan is sometimes the more suitable solution for treatments at a participating dentist. For smaller amounts, a small loan can make sense. Also ask your clinic about an installment plan and your HR department about an employer loan, both are sometimes interest-free.
Frequently Asked Questions About Medical Loans
- Autor
- privatkredit.ch Editorial Team, Specialist Editorial Team for Loans & Financing
- Fachliche Prüfung
- Redaktionsinterne Gegenprüfung durch Kreditfachleute
- Zuletzt aktualisiert
- July 7, 2026, Inhalte werden laufend aktualisiert
- Unabhängigkeit
- Unabhängige Recherche, ausschliesslich offizielle Schweizer Quellen
- 1Federal Act on Consumer Credit (CCA/KKG). fedlex.admin.ch/eli/cc/2002/593/de
- 2ZEK - Central Office for Credit Information. zek.ch
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