Instantly settle your medical bills for medications and/or medical procedures not covered by the NHIS, allowing you to access quality healthcare now with any qualified facility in Ghana, the UK & Selected Global Locations and Pay Later in pocket-friendly installments - Serious medical conditions caught late becomes expensive to treat and can also be terminal.
TDG HEALTHCARE GROUP
As the first major healthcare provider in Ghana to offer “Care Now, Pay Later”, TDG Healthcare Group of The DCANS Group (TDG) Limited demonstrates a clear commitment to innovation and caters to the huge patient demand for more pocket-friendly payment options.
At Care Now Pay Later (CNPL) Ghana, we believe in offering our patients the benefits of comfort and effortlessness, and digital transformation is at the heart of all our services. The introduction of CNPL into our payment procedures has elevated our omni-channel patient experience, while helping reduce financial stress with the flexibility of splitting a bill into multiple instalments.
The mechanism is simple:
Patients typically from qualified target market elect to pay with CARE NOW PAY LATER and spread their bill over multiple instalments – with down payment being optional at the point of bills settlement (not upfront) and the rest spread over several automatic payments in the future.
All medical funding needs for approved patients-clients (beneficiary) are sent directly to qualified Healthcare Provider of their choice instantly and in real time on the beneficiary's behalf - We DON'T make any direct payments to patients-clients (beneficiaries).
Patients-Clients repay us monthly, either interest-free or low interest rate of 2.5-5% per month on all outstanding amounts. Existing customers of the TDG Ecosystem of The DCANS Group Limited (rewarding loyalty) pays no interest for the first 90 days of repayment - However, a flat fee of 2.5% per month interest applies to all outstanding amounts.
Non-existing customers of the TDG Ecosystem pays a flat interest of 5% per month on all outstanding balances.
TARGET MARKET
Regular Income Earners with net monthly income above GHS600: You must either be a Salaried Worker (Public or Private Sector) and Business Owners of Registered Businesses.
Proof of Permanent Employment and Regular Monthly Income required to signup. Public Sector Workers are required to provide most recent 12 months SSNIT or Cap-30 Statement, whilst Private Sector Workers must provide most recent 24 months SSNIT Statement to prove contiguous work history.
You can't use this service if you're jobless or unemployment or without a permanent employment or a pensioner - However, you can be added by an anchor applicant who qualifies (details below). Our target user group makes it obvious for you to be able to read, write, speak and understand basic english to follow simple signup procedure.
ADDING FAMILY MEMBERS / MEMBERS OF YOUR HOUSEHOLD
Only the anchor or principal applicant needs to be Salaried Worker or Owner of a Registered Business - All other members of the anchor applicant's household can be added to the anchor's account, without necessarily being a regular monthly income earner. Valid Marriage Certificate required to add a spouse, whilst a Valid Birth Certificate is mandatory for adding your children (no limit on the number of biological children you can add, so long as your regular monthly income can support it).
LOCAL COVERAGE
You are not limited to using healthcare facilities owned partly or wholly by us or our sister company, DCANS Healthcare or Kaizer Pharma - You can use this service with any Health Regulatory Facility Agency (HeFRA) approved facility in Ghana, subject to Terms and Conditions.
Qualified prospective
HEALTHCARE ABROAD
You don't need to be a politician or politically-exposed person to seek the best of healthcare anywhere in the world. For prospective patients with monthly income to support repayment, we can assist with footing the medical bills of your care abroad, particularly in the UK and Selected Global Locations. We can provide on-ground support directly via DCANS Healthcare UK if anywhere in the UK is your preferred location: Such support could be airport pickups (Heathrow and Gatwick Only), decent accommodation, arranging with qualified healthcare facilities, etc.
The support we provide in this direction also includes providing financial documentation to back your medical visa application. Local Healthcare is always the first option, before care abroad will be considered.
EXCLUSIONS
You CANNOT use our services for any of the following needs:
• Cosmetic Surgery (including cosmetic dental surgeries, but dentures / artificial teeth, bridges, crowns, braces are covered by our service.
• Unorthodox Medicine (Herbal / Homeopathic treatments, etc)
• Chiropractic procedures and alternate medicine
• Treatment available as free public health services e.g. immunization, TB, Buruli Ulcer, Mental health/psychiatric conditions, VCT for HIV, Trachoma, Family planning, contraception etc
• Mortuary Services
• All care covered by the National Health Insurance Scheme (NHIS)
See full exclusions list here.
PERCULIAR INCLUSIONS
Our innovative healthcare financing covers all healthcare needs not covered by NHIS, but not on our exclusion list. Additionally, you can use this service to finance your healthcare needs where most traditional private healthcare insurance companies do not cover.
FUNDING SOURCES
We DON'T depend and/or rely on traditional bank financing, retail deposits or investments to finance healthcare financing requests. We're well-funded to disburse in a timely manner if the prospective patient-client can demonstrate proof of permanent employment and regular monthly income.
We fund our medical loans with our own funds (AML-compliant Global Balance Sheet Operations of The DCANS Group Limited, it's subsidiaries and/or divisions) via in-house investors include: Proprietary FX Trading Platform DCANS FX, Nonbank Lenders DCANS Investments (Ghana) and DCANS Capital UK, Direct Home Loans Providers DCANS Mortgage Ghana and DCANS Mortgage UK, Dedicated DCANS Property Fund, Property Flipping Platform The Property Portfolio Builder, Payment Providers DCANS Pay (Ghana) and Quid Pay (UK), Non-deposit taking Direct Lenders Sikamaster Loans (Ghana) and Quidmaster Loans (UK), Energies Trading Platform DCANS Energy, Groupwide Legal & Accounting Platform TLA Firm, Dedicated Non-retail Investment Platforms Crypto81 and XAU79, as well as 'Small' Hedge Fund C57H and Family Office OSFO and other intra-group lending partners.
HOW TO SIGNUP
Kindly complete a simple online form here. No Upfront Fees required - You just need to meet our requirements. You need to signup and get approved for this service before you can use it - You can't ask us to settle your medical bills from your hospital bed without you existing in our databases.
AUTOMATIC ACTIVATIONS
This service is automatically activated for rental and homeownership platforms owned by sister companies & The DCANS Group Limited (Corporate Parent), and hence does not require an additional signup with us here again.
Automatically activated for existing tenants and homeowners of:
This service is also automatically activated for all employees of The DCANS Group (including subsidiaries and divisions) recruited via the dedicated recruitment platforms of The DCANS Group (TDG) - TDG Jobs Ghana and TDG Jobs UK.
EXPEDITED MANUAL ACTIVATIONS
All existing customers of the TDG Ecosystem of The DCANS Group can apply for this service to be activated from within the client area of any of the ecosystem participants. Once they have your verified proof of employment and regular monthly income, we pull and verify your data from here and activate it for you right-away.
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