Many couples with an unfulfilled desire to have children see artificial insemination as the only way to still have a child. However, the statutory health insurance companies only cover the treatment costs under certain conditions and then only a maximum of half.
That is why many couples rely on artificial insemination loans. Loans that are offered by credit intermediaries specifically for such treatments are eligible for this purpose, but general consumer loans are also suitable for such financing.
Loans from credit intermediaries
A loan for an artificial insemination can easily be required in the amount of several thousand USD. Private clinics, in particular, often work with credit intermediaries who offer the couples concerned attractive offers for corresponding loans. This has the great advantage that patients do not have to worry about choosing a loan and the formalities of applying for a loan, because the financial broker does this work for them.
These loans are tailored precisely to the financing needs of the couples who are undergoing fertility treatment and can be taken out over different terms. Choosing a suitable loan term can ensure that the monthly installments with which the loan is repaid match the couple’s financial performance exactly.
Consumer loans from house banks and the Internet
If you need a loan for an artificial insemination, you can simply take out a normal consumer loan, which is repaid in equal monthly installments. With this type of loan, the customer is completely free to choose the intended use, so that such a loan can also be used to finance the costs of artificial insemination.
In principle, consumer loans are provided by house banks or other credit institutions with branches, but you can also apply for them via the Internet at online banks. There you often get particularly favorable conditions because online credit institutions pass on their cost advantages to customers in the form of low interest rates. When choosing a suitable loan for an artificial insemination, you should always use an online loan comparison calculator. This is the only way to assess whether the loan offer is actually cheap in terms of the interest charged and the other conditions.