Healthcare debt collection: integrity, ethics and results-oriented

As a healthcare provider, the well-being of your patients or clients is paramount. At the same time, your organization must remain financially healthy with good accounts receivable management. Co-payments and out-of-insurance bills should not block your care.

In the healthcare sector, you have to deal with vulnerable target groups and sensitive situations. A standard debt collection process does not suit them. In 2026, socially responsible debt collection is the norm. Do you want to know what steps you can take in case of late payment? Then read the article Outstanding invoice in our knowledge base.

At Credifin, we understand the balance between duty of care and duty of payment. That's why we have developed a special care process: with integrity, discretion and an eye for the person behind the payment. Want to make sure you choose a reliable partner? Then check out our checklist for choosing a collection agency.

The challenges in your industry:

• Preventing care avoidance: You don't want a client avoiding care for fear of a collection agency
• Complex regulations: you have to deal with the Wkkgz, the AVG and strict Wki standards
• Emotional charge: arrears often arise from illness, administrative inability or financial stress

For healthcare facilities, Credifin uses a customizedcollection process. Our tone is calm, explanatory and solution-oriented. We connect to your clients' language and situation as much as possible.

We see ourselves as an extension of your client administration, not as an external means of pressure.

Our practice in healthcare:

• Warm transfer: We start with a friendly reminder via a channel that suits your client, such as secure email or text message
• Early signaling: We quickly recognize whether there is unwillingness or impotence and, in the case of impotence, steer towards a feasible payment plan
• Respect for medical confidentiality: We never work with treatment content, but only invoice number and amount, fully in accordance with the AVG

This way we avoid unnecessary stress for your client, and connect to the amicable collection process you are used to from us. This increases your chances of timely payment.

You're busy enough with scheduling, record keeping and care delivery. That's why we link directly with your healthcare administration software whenever possible.

Are you working with Vektis standards or industry packages for dentists, therapists or other healthcare providers? We connect to these seamlessly.

Here's what it gets you:

• No manual work: Open invoices after the reminder phase are automatically flagged
• Digital ease of payment: clients pay directly through a secure link with iDEAL, which increases willingness to pay
• 24/7 online portal: You always keep track of your files and can pause a course immediately if a client's situation changes

This way you combine efficient processes with room for customization where needed.

The Collection Services Quality Act imposes strict requirements on collection agencies. Especially around the 14-day letter, there is little room for error. In healthcare, a mistake in the preliminary process can lead to complaints or legal risks.

Credifin takes this completely out of your hands.

We ensure that:

• Getting the legal deadlines and collection fee calculations exactly right
• The 14-day letter is clear and understandable to your client
• The shipping process, digital and postal, is fully taken care of and documented

That way you comply with all the rules and limit complaints and discussions afterwards. Do you want to better organize your final reminder yourself? Then read the article Sending reminders in 2026 in our knowledge base.

In healthcare, margins are often limited. That's why we work for healthcare providers on the basis of 100 percent No Cure No Pay in the amicable process. So you run no additional financial risk.

What you can expect from us:

• Successful collection: In the majority of cases, we collect the claim without court intervention
• Costs to the client: We charge legal collection costs and interest to the client according to the rules
• Prompt payment: After payment, we ensure a smooth settlement to keep your working capital on track

This allows you to keep control of your cash flow without putting pressure on your budget. Combined with legal payment terms, you keep control over your entire accounts receivable process.