Personal medical loans are generally handled by loan banks and insurance companies in conjunction with local specific cooperative hospitals. The borrower goes to the specialized hospital to receive and fill in the loan application signed and approved by the specialized hospital, and applies for a loan to the banking institution that carries out this business with the diagnosis certificate and hospitalization certificate issued by the hospital. After the examination and approval, hold a personal bank card, a loan application stamped by the bank and a personal ID card, and go to a specialized hospital for medical treatment and settlement.