# Credit Company Scheme

## Introduction

A **credit company scheme** is a payment scheme linked to a specific insurance company, corporate client, or credit organisation. It defines which services are covered, what co-payment the patient must pay, what discount the credit company negotiates, and which billing and approval rules apply. When a patient presents with an insurance card or credit letter, the cashier selects the appropriate credit company scheme.

## Navigation

Main Menu → Administration → **Credit Company** → Schemes
OR
Main Menu → Configuration → Finance → Credit Company Schemes

## Credit Company vs Payment Scheme

A credit company scheme extends the standard [payment scheme](Finance-Payment-Schemes.md) with additional insurance-specific configuration:

| Feature | Payment Scheme | Credit Company Scheme |
|---|---|---|
| Allowed payment methods | Yes | Yes (Credit + co-pay method) |
| Discounts | Yes | Yes (negotiated rates) |
| Co-payment rules | No | Yes |
| Pre-authorisation flags | No | Yes |
| Coverage limits | No | Yes |
| Claim reference tracking | No | Yes |

## Creating a Credit Company Scheme

1. Navigate to Credit Company → Schemes.
2. Click **New Scheme**.
3. Fill in:
   - **Credit Company** — select from the credit company master
   - **Scheme Name** — e.g., "Ceylinco Life Inpatient Plan A"
   - **Coverage Type** — Inpatient, OPD, Pharmacy, All
   - **Co-payment** — percentage or fixed amount the patient pays directly
   - **Negotiated Discount** — discount the facility applies for this insurer
   - **Services Covered** — all services, or restricted list
   - **Claim Form Required** — whether a claim form must be attached
4. Save.

## Credit Company Scheme Fields

| Field | Description |
|---|---|
| Credit Company | Insurance company or corporate client |
| Scheme Name | Name for this specific plan/arrangement |
| Coverage Type | Services covered (Inpatient, OPD, Pharmacy) |
| Co-payment (%) | Patient's share of each bill |
| Negotiated Discount (%) | Facility discount for this insurer |
| Limit Per Admission | Maximum covered amount per stay (if applicable) |
| Pre-auth Required | Whether prior authorisation is needed for admission |
| Claim Form | Whether claim form is mandatory |

## Using a Credit Company Scheme at Billing

1. When billing a patient with insurance, select the **Credit Company** field.
2. The system loads the linked scheme's rules automatically.
3. The co-payment portion is calculated and shown to the cashier.
4. The patient pays the co-payment; the balance is billed to the credit company.
5. A credit bill is created for the insurance company's portion.

## Managing Credit Company Balances

Credit company bills accumulate as receivables. See [Credit Company Bill Settlement](Finance-Credit-Company-Bill-Settlement.md) for the settlement workflow.

## Technical Reference

| Item | Detail |
|---|---|
| Entity | `CreditCompanyScheme` (or equivalent) |
| Related | [Credit Company Payment Management](Finance-Credit-Company-Payment-Management.md), [Payment Schemes](Finance-Payment-Schemes.md) |