Social Institute sickness loans 2018: the complete offer
How to get Social Institute loans for medical treatment? With the elimination of the Government Agency, all services dedicated to Social Institute employees and pensioners have passed to Social Institute. Among these are the subsidized loans ex Government Agency, credit lines at a subsidized rate granted to meet various needs, including medical expenses.
Social Institute loans for medical treatment are part of the category of long-term loans ex Government Agency, credit lines granted by Social Institute to employees and pensioners to cope with the purchase of certain goods or services. Duration and amount that can be financed vary according to the purpose of the loan, as defined in the Social Institute Loan Regulation.
Who can get them
They have access to long-term loans exclusively for pensioners and civil servants hired with permanent contracts entered in the unitary management of Social Institute’s credit and social benefits. Four years are also required to pay contributions to the aforementioned Management and as many years of service useful to the pension.
Public employees with a fixed-term contract of not less than three years can in any case obtain a multi-year loan, provided that this can be extinguished during the term of the contract. In any case, for the repayment of the credit there are two sizes: 5 and 10 years. The interest rate (Tan) is set at 3.5% regardless of the purpose and duration of the loan.
Government Agency five-year loans for medical expenses
As already mentioned, among the various reasons why it is possible to apply for a multi-year loan we find the medical costs related to diseases of the member or of the other members of his family. But let’s see in detail what it is.
In the event that funding is required to meet expenses related to the member’s illness, the amount that can be financed is defined taking into account the severity of the illness, in relation to the treatments and therapies to be carried out, as well as the incidence that the medical expenses they will have on the family budget.
The reimbursement takes place with a five-year amortization plan and the following documents must be attached to the application:
- self-certification of family status
- certificates, medical reports and medical records showing the diagnosis and severity of the disease.
When it is possible to obtain ten-year financing
In the case in which the financing is required to meet the costs arising from an illness of a member of the family of the member (spouse, children, parents or in-laws), instead, a ten-year amortization plan is provided. Also in this case the amount that can be financed varies according to the expenditure documentation and the impact on the family budget.
As for five-year loans, to obtain a ten-year loan, the self-certification of the family status and the medical documents (certificates, medical records, etc.) relating to the pathology of the family member of the member must be presented.
In the event that funding is required to cover expenses relating to the state of illness of a family member who is not included in the family status of the pensioner or civil servant who makes the funding request, an additional self-certification must also be attached to the application.. Document in which the relationship must be certified.
Return of credit
The repayment of the Social Institute loans for medical care, both of five-year and ten-year duration, takes place in monthly installments. The amount of the installment cannot exceed the fifth part (20%) of the salary or monthly pension received by the beneficiary. The repayment of the loan begins two months after the grant date.
In addition to the interest rate (3.5%), other items of expense also bear on the loan. In fact, a 0.5% rate for administration costs and a premium for the Social Institute Risk Fund are envisaged. the latter is defined on the basis of the duration of the amortization plan and the age of the applicant.
Presentation of the application
But how to apply for Government Agency loans for medical expenses? The application must be submitted electronically must within one year from the event or the relative expense documentation. The request for funding must be drawn up on the appropriate form, available in Pdf format in the Forms section of the Social Institute.it portal.
Those enrolled in the service must submit the Social Institute loan application for medical treatment through the administration they belong to. On the other hand, pensioners enrolled in the unitary management can submit the application autonomously by accessing the reserved area of the Social Institute site, with their device PIN.
Loan for medical expenses to postal employees
In addition to public employees and pensioners, employees of post office and associated companies can also benefit from the subsidized loans granted by Social Institute. In fact, the Institute has also absorbed the former Ippd management of the Government Agency, now called the Management of the Italian Postal Fund.
As for the loans dedicated to the former Government Agency management, loans to postal employees are granted to meet various needs, including medical expenses. So let’s see what are the characteristics of Social Institute loans for Ipost medical treatments and how to get them.
Who are they for?
The Social Institute loans for medical care are part of the long-term loans for the post office fund Management, five-year or ten-year loans at a subsidized rate ( 3.5% Taeg ). They are accessible only to employees of post office and associated companies in service activities and with at least four years of seniority of role service.
Funding for serious illnesses and medical bills
Among the purposes envisaged by the Social Institute ex Ipost Loan Regulations for long-term loans we find the item “Serious diseases”. It is in fact possible for postal employees to obtain a five – year or ten – year loan to cover the expenses deriving from their own illnesses or from the children, the spouse, parents or in-laws.
In any case, funding is granted only on condition that these expenses are borne by the applicant or spouse. In order to pay the sum, it is also essential that there is a favorable health opinion.
In addition to funding for serious illness, postal employees can also apply for multi-year loans to cover healthcare costs. Also in this case reference is made to the Social Institute Loan Regulations ex Ipost.
The loan can have a five-year or ten-year duration, the sum that can be financed is defined in the application. The Ipost loan for medical expenses can be requested to cover expenses incurred for the postal employee or his family members.