Medical loan
Solution for your
medical loan!
MONTHLY PAYMENT FROM CHF 0.00
Finance your medical treatments easily with a medical loan in Switzerland. From dental care to cosmetic surgery, Lica helps you find the best financing solution — fast and tailored to your needs.
The benefits of your medical loan in Switzerland
With Lica, your medical loan in Switzerland becomes simple and stress-free. Whether for a procedure, treatment, or aesthetic care, we help you find the best financing through our partner network and a transparent process.
Treatment financed instantly
Don’t postpone your care! Your medical loan gives you quick access to the treatment you need.
Flexible and personalised solution
Amount, term, and instalments – everything is tailored to your finances and your medical needs!
Discretion and personal support
Your application is handled with complete confidentiality. With Lica, you receive personal support at every stage.
99 % of clients are satisfied
With a 99% satisfaction rate, Lica is known for its professionalism and the quality of its support.
Rediscover your well-being!
Take care of yourself today with your medical loan from Lica
A medical loan is a simple and flexible solution to finance your treatments in Switzerland. It allows you to quickly obtain the funds needed for surgeries, dental care, or aesthetic procedures, giving you access to the care you need without delay.
This type of financing fully adapts to your situation. You freely choose the amount, duration, and instalments of your loan to match your budget. This flexibility helps you plan healthcare expenses and maintain financial balance.
We make the process clear, fast, and confidential! Thanks to personal support and the trust of our clients in Switzerland, you benefit from a reliable partner to finance your care with complete peace of mind.
Recognised expertise in Switzerland
Your medical loan in numbers
Your medical loan made easy in 3 steps
With Lica, your medical loan becomes accessible in record time. A smooth process, free of unnecessary formalities, to finance your treatments with complete peace of mind.
I
Complete your online application
Fill out our online medical loan form easily in just a few minutes. This way, you avoid any complicated steps. Your application is non-binding, allowing you to move forward with complete peace of mind.
II
Get the best offer for your treatments
We compare the offers from leading partner banks in Switzerland for you. This way, you benefit from the best market conditions to finance your medical or aesthetic treatments, tailored to your specific needs.
III
Make the most of your medical loan
Once your financing is approved, the funds are transferred directly to your bank account. You can then proceed with your treatments quickly and with complete peace of mind. And because your needs may evolve, Lica stays by your side to adjust your loan over time.
Satisfied clients, well-earned trust
Testimonials for the medical loan
Every day, new clients choose Lica for the quality of its support and the clarity of its solutions. Their satisfaction reflects our commitment: to provide a medical loan that is fast, discreet, and tailored to each need, with attentive guidance from start to finish of the financing process.
I recommend it to everyone.
You fought for over 4 months to get us this contract, you're really great.
You're the best
He has incredible patience, î explains things patiently and is always there to help you without a doubt.
Thanks to Xavier for the incredible work he does for me ✨
All about the medical loan
Before applying for your loan, take a moment to discover the answers to the most common questions. This FAQ guides you step by step to support you throughout your project.
What is a medical loan?
A medical loan is a type of personal loan specifically designed to finance your healthcare expenses. It allows you to quickly obtain the funds you need for a medical procedure, dental treatment, cosmetic surgery, or any other wellness-related expense. With Lica, you benefit from a tailored, simple, and flexible financing solution, giving you the freedom to choose the amount, duration, and instalments that suit you best.
Who can apply for a medical loan in Switzerland?
Any adult can apply for a loan in Switzerland. You simply need to live in Switzerland or a neighbouring country and have a stable income. This financing is available to anyone wishing to cover medical, dental, or aesthetic expenses without using their savings. With Lica, you receive support at every stage of your application. Our experts compare the best offers on the market to maximise your chances of approval. Even if your situation is unique, we always look for the most suitable solution to help you finance your treatments with peace of mind.
What amounts can I borrow with a medical loan?
In Switzerland, a medical loan allows you to finance your treatments from CHF 3'000.- to CHF 400'000.-, depending on your situation. With Lica, you can freely choose the amount needed to cover your medical, dental, or aesthetic expenses while keeping full control of your budget. Whether you wish to finance a one-time treatment or a larger procedure, we compare the best offers on the market for you. This way, you obtain the ideal amount without increasing your monthly payments. In addition, our advisors support you at every stage to ensure a safe and transparent financing process.
What is the interest rate for a medical loan?
The interest rate for a loan depends on your financial profile and the bank that agrees to finance you. With Lica, you benefit from favourable conditions thanks to our network of partners in Switzerland. We negotiate the most competitive rates on your behalf to reduce the total cost of your healthcare financing. Each comparison we make increases your chances of obtaining a better deal. This way, you benefit from a competitive medical loan tailored to your situation while maintaining balanced financial management throughout the repayment period.
How quickly will the funds be transferred to my account?
With Lica, obtaining a medical loan is fast and straightforward. Once your application is complete, the financing decision is usually made within 24 to 48 hours. The funds are then transferred directly to your bank account without delay. Thanks to our simplified process and partnerships with leading Swiss banks, you quickly receive the amount needed for your medical, dental, or aesthetic treatments. This allows you to plan your procedure without waiting and with complete peace of mind.
Can I repay my medical loan at any time?
Yes. In Switzerland, the Federal Consumer Credit Act (LCC) allows you to repay your loan at any time, in full or in part, without any additional fees. This flexibility lets you manage your budget freely and adjust your financing to your situation. Early repayment automatically reduces the remaining interest, lowering the total cost of your loan. This way, you save money while maintaining full control over your finances.
Are there any processing fees to get a medical loan?
No. With Lica, your medical loan application is completely free of charge. There are no hidden fees at any stage of the process. We work with full transparency: our remuneration comes directly from our partner banks. This way, you benefit from professional and personalised support at no extra cost. Our clear and honest approach allows you to move forward with your financing project confidently and with peace of mind.
What documents are required for a medical loan?
To submit a loan application, only a few documents are needed. Generally, this includes a copy of your ID, your last three payslips, and proof of residence. However, some banks may request additional documents depending on your situation. In that case, Lica helps you quickly gather everything required. You’re guided step by step so that building your application is simple, clear, and fast. This way, your medical loan request is completed smoothly and without stress.
Are loan interest payments tax-deductible?
Yes. In Switzerland, the interest paid on a loan is tax-deductible. You can therefore subtract it from your taxable income, which directly reduces your annual tax burden. This mechanism allows you to finance your medical or aesthetic treatments while optimising your tax situation. In this way, a medical loan becomes both a practical financing tool and a way to reduce your taxes. With Lica, you can enjoy this additional benefit with complete peace of mind.
With a trusted partner for your medical loan
Working with Lica means receiving human, expert, and fully confidential support. That’s why we assign you a dedicated advisor from the very beginning. You benefit from personalised guidance, quick handling, and clear follow-up at every stage. From the first contact to contract signing, we remain discreet and efficient. In short, you enjoy tailor-made support from start to finish.
Manuel Ognissanti
“My goal is to simplify your journey! I support you at every step with transparent and independent advice. This way, you move forward with peace of mind, confident you’ve made the right choice.”