B2B cooperation

Such cooperation does not require signing a permanent Agreement and is simple: it is enough to prepare a treatment plan for the Patient along with a cost estimate and, on this basis, issue a pro-forma invoice and send it to us at: pok@mediraty.pl or give it to the Patient.

The patient should contact our Consultant, who will verify creditworthiness during a few-minute telephone conversation at the following telephone number: 22 266 83 70 (Mon.-Fr. 8 a.m.-8 p.m., Sat. 9 a.m.-2 p.m.). After a positive and free verification and signing by the Patient of the Installment Agreement sent by courier, the facility will receive the funds directly to its account, even on the same day.

The facility does not incur any costs related to the financing provided to the Patient.

A facility interested in cooperation and using the MediRaty and MediPay financing systems should:

• fill out and submit the application form visible above

or

• directly contact LM PAY S.A. by phone at: +48 22 266 83 70

or

• via email at: pok@mediraty.pl. A consultant will register the request, asking for the following details: the facility's registered name, registered address, province, and the representative's contact information.

After this registration, within 3 business days, a dedicated Regional Account Manager will contact you by phone to finalize the Cooperation Agreement, schedule the implementation date, and arrange staff training.

For both the doctor and the patient, financial matters can be a sensitive topic and avoided by both parties, which is why we often use the following motto:

„The doctor has to treat and the patient …not ruin their household budget.”

MediRaty meet the needs of both parties, who can focus on what matters most: treatment.

Become our Partner! Do you have further questions? Call: 22 266 83 70 (Mon.- Fr. 9 a.m. - 4 p.m.) or fill in and send an application form - we will call you back within 1 business day.

This is the first solution in Poland in the consumer finance category, responding to the specific needs of patients, dedicated to dental clinics and other medical industry entities, aesthetic medicine clinics and veterinary clinics throughout Poland. The service was introduced in 2010 by Ratalnie.com SA (currently: LM PAY S.A.) with the aim of financing dental procedures (especially: expensive prosthetic and implantoprosthetic procedures).

• A patient interested in purchasing expensive commercial medical or veterinary services contacts a MediRaty Consultant by telephone
• The MediRaty Consultant, during one telephone conversation lasting several minutes, verifies the Patient’s creditworthiness and credit history, determines the level of credit risk and agrees with the Patient on the terms of financing, and then sends the Patient a courier with the Agreement, immediately after signing the Agreement, LM PAY S.A. transfers the funds directly to the Partner’s account (the facility which provides the service)
• The patient repays the first installment approximately one month after signing the Agreement.

The patient can pay the entire cost of the procedure and all services related to it in installments, or cover part of the cost from their own funds and finance the rest with MediRaty. The financing option depends on the individual needs of the Patient and the creditworthiness for the amount needed.

After signing the cooperation agreement, the Patient may, by paying in installments, purchase any service or procedure provided by the clinic, or implement a comprehensive treatment plan:

• all kinds of dental, medical, aesthetic medicine, rehabilitation procedures, operations, consultations, comprehensive treatment plans, etc.
• any type of treatment including hospitalisation and rehabilitation and hotel stay, if it is within one procedure and one medical entity
• rehabilitation packages
• health equipment, rehabilitation equipment, prostheses, etc.
• diagnostic tests, genetic tests
• veterinary procedures and services

The basic scope of the Cooperation Agreement allows the Medical Partner to provide services completely free of charge, and also provides free marketing materials.

For details, please see the model Cooperation Agreement or call: 22 266 83 70 (Mon.-Fr. 8 a.m.-8 p.m., Sat. 9 a.m.-2 p.m.)

It is in the interest of the facility to inform the Patient about the possibility of financing and payment in installments and to enable the Patient to verify it free of charge and present a non-binding financing offer. The verification of the ability can give your patients a completely new perspective for more advanced and comprehensive treatment.

For example: your Patient’s monthly earnings of PLN 3,000 allows him to obtain funding of PLN 29,000.

The facility is not obliged to participate in the formalities related to the financing procedure, employees do not have to fill in anything, etc. This is done by a specially trained telephone Consultant who during the conversation:

• discusses the needs of the patient
• performs a verification of the patient in the credit information database
• assesses the credit risk and agrees the details and terms of the Instalment Contract with the Patient
• sends a courier with the Agreement for signing to a place convenient for the patient (e.g. home address)
• after the Patient signs the Agreement, he orders the transfer of the full amount for the procedure to the clinic’s account (the Patient pays the first installment about a month later)

Because Polish patients are not used to this type of financing and payment for medical services - it is in the Partner’s well-understood interest to effectively provide such information to each of its patients.

Yes, we practice this solution: the patient would like to settle in installments, but the practice has not yet signed a cooperation agreement with us.

It is enough for the office to send us (pok@mediraty.pl) a pro-forma invoice for the patient’s treatment, which will be paid by us immediately after the patient’s creditworthiness and the profile of the office’s activity have been positively verified.

The main principle of the MediRaty system, from the point of view of the Medical Partner, is the transfer of the entire risk for delays in repayment or non-payment to LM PAY S.A. In such a situation, a standard debt recovery procedure is launched, described in the Installment Agreement with the Patient, in which the Medical Partner is not involved in any way or participates in it.

This is impossible. However, each case is individual and analysed by us very carefully. As a standard, we use the BIK credit information database and analyse the Patient’s professional, financial and family situation in terms of the ability to repay without placing too much burden on the household budget. Especially when expensive services are involved.

When the Patient receives the category „complete lack of creditworthiness” as a result of the analysis - we are against granting him financing, also to protect them from the risk of falling into financial trouble. We strive to be fair to our Patients. It's our reason for pride.

As an institution from the consumer finance industry, we deal with borrowing money that is entrusted to us by, among others, Polish cooperative banks. We do not finance the procedure for the Patient when our analysis shows that the risk of repayment is too high - we try to act rationally and in the best interest of the Patient.

The MediPay payment system is already in more than 12,000 facilities. These include surgeries, clinics and outpatient clinics of various specialties. You will find a full list of facilities where you can make a MediPay payment in a special search engine at https://medipay.pl/

The clinic must cooperate with us and process our payments (have access to our system). The standard purchase limit for various services in the MediPay system is 5,000 PLN (maximum 8,600 PLN). Installment obligations through the MediRaty system are not included in this limit (where full creditworthiness and credit history verification is conducted over the phone).

The limit does not include installment commitments via the MediRaty system (where full creditworthiness and credit history verification takes place over the phone).

After the transaction, the office receives from us the entire amount for the service performed, immediately - on its account, and we expect its repayment from the client in a way convenient for him, i.e. in 1, 3, 4, 8 or 12 installments.

When settling the payment, the customer must have a smartphone with the Internet, an ID card confirming his identity and that he is a Polish citizen.

The customer receives repayment information on his smartphone, which he approves by SMS.

If the client's obligations to us do not exceed 5,000 PLN (maximum 8,600 PLN), the client can defer payments at the same or another clinic until reaching this limit. Additionally, they can obtain financing up to 30,000 PLN in the MediRaty system, which does not count towards the limit.

You can use the fast payment method MediPay up to the limit of 5,000 PLN (maximum 8,600 PLN).

We only reserve the right to verify in the available BIK or KRD credit information databases in terms of debt.

No, all you need to have with you is an ID card to confirm your identity and a smartphone from which you will confirm by SMS that you agree to cooperate with us, in accordance with the Agreement.

MediPay is a system of payments for treatments, available in selected clinics and surgeries in Poland. Thanks to it, it is possible to postpone the payment and settle it by bank transfer within 30 days at no additional cost or to spread the repayment over 3, 4, 8 or 12 installments.

MediPay can be used by a person who meets the following conditions:
Polish citizenship, aged 18-75 , having an identity card with him.