Beijing test tube baby credit card installment fee?
IVF is a kind of assisted reproductive technology, which can help couples who cannot conceive naturally realize their desire to have children. In Beijing, there are many formal professional hospitals that provide IVF services, and the cost of a IVF may be prohibitive for some people. Fortunately, many hospitals offer the option of credit card installment payment, which makes the payment more flexible and feasible. The following will describe the installment payment of Beijing IVF credit card from several aspects.
Hospital charging standard
Different hospitals may have different charging standards, which is related to hospital equipment, technical level, expert team and other factors. Generally speaking, the cost of IVF mainly includes the following aspects: basic examination cost, drug cost, operation cost, embryo transfer cost, etc. Among them, drug costs may be relatively high, because IVF needs to use a series of drugs to promote ovarian development and control ovulation. Some hospitals will customize personalized programs for patients according to their specific conditions, and provide corresponding cost details.
Taking a large specialized hospital in Beijing as an example, the cost of IVF roughly includes: the cost of gene testing is about 5000 to 10000 yuan, the cost of tubal water inspection is about 3000 to 5000 yuan, the cost of IVF surgery is about 30000 to 50000 yuan, and the cost of embryo transfer is about 10000 to 20000 yuan. This is only a rough range, and the actual cost needs to be determined according to the specific situation of the patient.
Credit Card Installment Details
Many hospitals provide the option of credit card installment payment, so that the cost of IVF can be paid in installments, reducing the economic pressure of one-time payment. The specific details of installment payment may vary from hospital to hospital, and are generally formulated according to the needs of patients and the credit card limit. Taking a hospital as an example, the details of installment payment are as follows:
1. Installment period: Generally, you can choose 6 months, 12 months, 24 months and other different periods for installment payment. You can choose the appropriate period according to your economic situation and ability.
2. Interest and service charge: hospitals usually charge a certain amount of interest and service charge, and the specific amount will be determined according to the installment period and amount.
3. Prepayment: If the patient pays off the installment in advance, part of the interest and service fee can be deducted.
Example of Installment Fee Calculation
In order to better understand the cost of credit card installment payment, take the test tube baby cost of a hospital as an example. Assuming the cost is 80000 yuan, choose 12 months of installment payment:
1. Monthly repayment amount: 80000 yuan/12=6666.67 yuan
2. Total interest and service charge: assume that the interest rate is 8% and the service charge rate is 3%. Total interest and service charge=cost × (interest rate+service charge rate) × installment period
=80000 yuan × (8%+3%) × 12=11200 yuan
Therefore, total cost=expense+total interest and service charge=80000 yuan+11200 yuan=91200 yuan
Summary
Through credit card installment payment, the cost of Beijing IVF has become more flexible and feasible, helping couples who cannot pay the cost at one time realize their desire to have children. The charging standards and installment payment rules of different hospitals may be different, and patients should choose appropriate hospitals and payment methods according to their own needs and economic conditions. It should be noted that IVF is a complex medical technology. When choosing hospitals, patients should choose formal professional medical institutions to ensure the quality and safety of surgery.
