Leasing & Finance

Factoring of medical receivables

Overview

With this option, customers sell (factor) their outstanding medical receivables from national health insurance organizations and social health insurance providers to NTT TC Leasing to get a faster payout of those receivables.
By factoring, NTT TC Leasing can buy a customer’s outstanding medical receivables and supply those funds before the actual payout from national health insurance organizations.

Business model

(1) Conclude a factoring contract between the customer and NTT TC Leasing. (2) The customer notifies their national or social health insurance provider regarding the factoring. (3) The customer requests the medical receivables from their national or social health insurance provider. NTT TC Leasing also receives the details of this request. (4) NTT TC Leasing makes the first payout (of 70 to 80%) to the customer. (5) The health insurance provider conducts an audit. (6) The health insurance provider pays the medical receivables out to NTT TC Leasing. (7) NTT TC Leasing makes the second payout to the customer (for the remaining amount).

Benefits for customers

Early payout of medical receivables leads to a smoother cashflow and helps customers make the most of their funds.
No funds are required to collect the payout, helping you avoid needing to borrow money.

Important notes

When factoring medical receivables, you need to notify your national and social health insurance providers.

For first-time customers: Leasing services at NTT TC Leasing

Inquiries regarding the
factoring of medical receivables

Department in charge: Financial Business Division, Specialty Sales Department

Hours: 9:00 to 17:00

Monday to Friday (excluding holidays and year-end and New Year holidays)

03-6455-8712