Medical Loan

We offer unsecured medical loans up to $300,000 SGD with longer loan tenures to provide you with one of the best loans in town.

Medical Loan Singapore

What is a Medical Loan?

As the saying goes, “health is wealth”. One of the most important things in life is that you and your loved ones are happy and healthy.

However, life is unpredictable and a medical emergency can strike anytime. When a medical emergency befalls, it is not only the mental and emotional aspects of your life that are strained. Your finances will take a toll as well.

In times of a medical emergency, securing funds should be a quick and simple process. This is where a medical loan can come in handy.

A medical loan is intended to specifically fund your medical costs that cannot be covered by your health insurance. They cater for scheduled or emergency surgical procedures, necessary medical procedures, out of network charges, medical debt consolidation, or any other medical cost that may arise.

A medical loan from Lending Bee® can help to ease the burden of your medical costs, so that you can fully concentrate on what matters most: your health. 

Benefits of a Medical Loan with Lending Bee®

Our medical loan stands out as we provide our borrowers with a wide range of unique benefits.

Fast loan approval
& disbursement

loan tenures

Ease of application
and approval


FAQ on Lending Bee's Medical Loans

Frequently Asked Questions

A medical loan is a form of unsecured personal loan that helps you pay for your medical expenses. 

More often than not, these medical expenses are not covered by your MediSave and health insurance. 

There may be times when your health insurance may not be able to fully cover the cost of your medical fees, due to their restrictions or limits. 

A medical loan will be your next best option if you are looking to clear your medical bills. 

With a medical loan, you will be able to cover for the for costs including, but not limited to:

  • Surgical procedures
  • Non-surgical procedures
  • Consultation visits
  • Emergency surgery
  • Hospitalization costs
  • Medicine
  • Follow-up visits
  • Medical tests

The three main differentiating factors between our medical loan compared to other financial institutions are:

  • Speed
  • Ease of application
  • Service rendered

We believe in providing you with a medical loan in the shortest time possible. 

This is why we have streamlined our borrowing process into 3 simple steps. 

Moreover, we do not go through rigorous credit checks and also do not require much paperwork. 

Ultimately, our experienced loan officers will be there to guide you on the best medical loan package for your needs and provide professional advice so that your medical expenses will be well taken care of.

1. Type of loan required

Before you enter into any loan contract, it is important to discern between secured and unsecured loans.

  • Unsecured loans have a lower borrowing threshold. However, they do not require collateral.
  • Secured loans have a higher borrowing threshold. However, they require collateral.

2. Interest rates

Ensure that you are getting the best interest rates as they will significantly affect your monthly repayments.

Additionally, there may be hidden fees that you might be unaware of:

  • Origination fees
  • Service fees
  • Underwriting fees

Lending Bee® does not practice any of such fees. Additional fees, if any, will be made known to you before you sign your loan contract. 

3. Loan tenure

Your loan tenure will also have an impact on the cost of your total loan. Ensure that you work with a loan tenure that is comfortable with you so that you can make comfortable repayments.

4. Your current financial situation

This is going to be the most vital factor. Know where you currently stand in your finances so that you will be able to make better financial decisions, especially on the loan amount that you are looking to apply for.

Below is a list of some common and emergency medical procedures, and the estimated costs after government subsidization, under a public hospital, class B2 (do expect to pay more if you opt for a private hospital):

Medical procedure Cost
Cataract Surgery (removal of lens implant on one side)$1,190
Heart, expansion of blocked heart vessels$5,598
Chronic lung disease$1,137
Breast, image guided removal of growth$1,039
Appendix surgery (removal)$2,201
Heart attack (without severe complications and invasive tests)$1,486
Hip / knee treatment (with scope)$2,232
Brain, blood clot / bleeding, stroke (with severe complications)$4,772
Lungs, nose, throat infection (moderate to severe complications)$1,398

Source: Ministry of Health Singapore

The medical costs do not just stop after a surgery. There are many other things that have to be taken into consideration

Think follow up check-ups, further complications during surgery which may result in a longer hospital stay and medication. 

There may also be some situations where the problem cannot be solved with just a single surgery. The patient might have to be on long term medication, or require subsequent surgeries thereafter.

All these equate to additional costs. This is why we have served many borrowers looking to apply for a medical loan. 

As we strive to help with your medical financing costs, you will then be able to devote your time to what matters most: your health. 

We understand that medical emergencies and procedures can place quite a dent on your finances, which is why our medical loan can provide you with the timely financial assistance that you require.

To qualify for a loan with Lending Bee®, you’ll simply have to:

  • Be a Singapore Citizen, Permanent Resident or a Foreigner with a valid work permit
  • Be at least 21 years old
  • Be permanently employed for at least 3 months

For Singaporeans / PRs:

  • Proof of identity (NRIC, passport)
  • Proof of income (CPF / bank statements)
For Foreigners
  • Work Permit / S Pass / E Pass
  • Proof of residence (Utility bills, phone bills, tenancy agreement, etc.)
  • Payslips / bank statements

At Lending Bee®, all applications for our medical loans are kept fast and simple. 

  • Step 1: Submit your application via our online application form.
  • Step 2: We will drop you a call regarding your loan application status within the hour.
  • Step 3: Head down to your selected Lending Bee® branch, sign the contract and receive your loan.

We will disburse the funds to you immediately after you have accepted and signed our loan contract at any of our branches

Yes, you are still welcome to apply for a loan with us!

Lending Bee® aims to help as many borrowers as possible and provide them with one of the best loan packages in the market.

We are here to serve your needs.

Yes, you can still apply for a medical loan with us. We aim to help our borrowers regardless of their credit scores. 

This is why we do not have specific restrictions with regard to credit scores.

No, we do not charge any fees for early loan repayments. 

Outstanding interests, if any, will also be nullified once you have finished repaying your loan earlier than the date stipulated in your loan contract.

No, we do not mail any of your loan information to your home. 

All loan details will be kept digital, and private with us, unless a physical copy is requested.

Medical Loan 1

3 Simple Steps to receive
your instant cash loan

Receive your loan within the hour!

Submit Online Application

Register an account on our mobile app or simply fill up our loan application form. Takes only 3 mins.

Receive Application Status

Outcome of the loan with the maximum loan amount and tenure will be provided to you in less than an hour.

Fast Cash Disbursement

Head down to your selected Lending Bee® branch, sign the loan contract and receive your money instantly.

Our Latest Customer Reviews (Mar 2021 Update)

Christie Lim
Christie Lim
Mar, 2021
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Andy and Yuan Xi are friendly and informative and professional. The process was smooth and fast. This company offers term payment loans for larger amounts.
Lee JR
Feb, 2021
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Taken an urgent loan from Ms Amanda and was very pleased in her prompt service and she was definitely responsive in all the questions I have. I'd strongly recommend Ms Amanda's services.
Feb, 2021
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process very transparent and fast.. love the free mask provided by the company, very thoughtful of them. thanks lending bee toa payoh.
Afiq Azmi
Jan, 2021
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Assisted by Mr Andy and Enid regarding the loan to clear some debts. Really helpful, patient and very understanding towards the situation and purpose of the loan. Would recommend to others if in need of personal loans! Thank you!
Miss San
Miss San
Jan, 2021
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Ms Samantha is very friendly and very meticulous in helping me with her loan. Lending bee has been a very smooth and easy transaction to apply loan. Highly recommended. No gimmick at all. Low interest among the rest.
acapemma matrixx
Jan, 2021
Read More
It very good value..Andy Tse. have been great for helping me for getting the loan. He will calculate for me. Enid have been good recep for explaining to me in detail.. 🤗
abu babu
abu babu
Jan, 2021
Read More
Fast response to enquiry, assist to suggest better financial planning...thank you so much alfred..
Tan Thian Seng
Dec, 2020
Read More
Mr. Andy Tee and Ms Loke Yuan Xi are very friendly and professional, they are very helpful and willing to understand your needs and clear in explaining to you regarding the loans. I strongly recommend lending bee if you need any financial helps.
Thong Li Tan
Dec, 2020
Read More
Lending Bee staff is professional and friendly. When a person is in needs for money and they provide the right need and helpful. Excellent lending compared to others.
Ridzwan Juraimi
Dec, 2020
Read More
Fast response to enquiry, assist to suggest better financial planning to reduce monthly burden. Alfred was patient and assisted with the smooth transaction
Gun Metal
Dec, 2020
Read More
Great help and explanation from the staffs, offers other solutions and great service as well. Professional highly recommended

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Medical Loan 7

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