At GOK Clinic, we firmly believe that world-class oral care should be both accessible and stress-free. We provide complete financial transparency and a variety of payment methods designed to suit your budget and timeline, ensuring you never have to postpone essential treatments.

1. Credit Cards, Cash, and Wire Transfers

We ensure maximum convenience directly at our reception desk:

• Credit & Debit Cards: We accept all major international debit and credit cards (Visa, Mastercard, etc.).
• Cash Payments: Cash payments are fully accepted at the reception in Euros.
• Corporate Wire Transfers: For corporate clients, embassies, or special treatment agreements, our administrative team can issue an official invoice for payment via secure bank wire transfer.

2. Direct Billing via Private Health Insurance

GOK Clinic officially partners with major health insurance providers. If you are covered by an active policy with one of the following companies, we will manage the direct billing with your insurer, eliminating unexpected out-of-pocket costs and exhausting paperwork:

• If Insurance
• Gjensidige
• Lietuvos draudimas
• Seesam (Compensa group)
• Compensa
• BTA Insurance

How to claim: Simply present your valid identity document (Passport or ID card) alongside your physical health insurance card or your provider's official mobile application to our receptionists before settling your bill.

⚠️ CRITICAL REGULATORY NOTICE FOR FOREIGN CITIZENS

To comply with the Consumer Credit Laws of the Republic of Lithuania and the strict compliance regulations of our financial partners (Inbank and Neo Finance), foreign citizens and expats must hold a valid Permanent Residence Permit (nuolatinis leidimas gyventi) in Lithuania to qualify for any leasing, installment, or "Pay in 3" financing options.Temporary residence permits (laikinas leidimas gyventi) or standard visas cannot be accepted for credit applications. If you hold a temporary permit, your options are limited to credit card, cash, wire transfer, or direct health insurance coverage.

3. "Pay in 3" Installment Plan via Neo Finance

We care about your health and financial freedom, which is why we introduce a flexible "Buy now, pay later" payment method with Neopay. Spread your dental costs over three months with 0% interest and absolutely no hidden markups.

• Total Financing Range: from €100 to €5,000.
• Zero Markup: if paid in full across 3 equal monthly installments, you pay 0% interest, €0 contract fees, and €0 administration fees.
• Seamless Digital Process: the entire credit evaluation is done dynamically through your smartphone by scanning a QR code in the clinic or via your computer.
• Joint Application: you can submit a joint application with your spouse to establish a higher financing baseline and larger total sum.
• Legal Prerequisite: Minimum age of 18 and a valid Lithuanian Permanent Residence Permit required.

4. Inbank Premium Medical Leasing & "Moki10"

For extensive cosmetic smile makeovers, orthodontics, or surgical dental implant packages, we offer flexible long-term consumer financing via Inbank.

Exclusive Extended Financing Features:

• Financing Range: From €100 to €10,000.
• Contract Terms: From 9 up to 72 months.
• Interest Rate: 0% annual interest! The only added fee is a fixed 0.59% monthly administration fee.
• No Initial Down Payment Required: You can choose to pay a portion upfront or delay your first installment to the following month.

Representative Example: Borrowing €1,000.00 over a fixed 12-month term with an annual interest rate of 0.00%, a contract signing fee of 0%, a monthly administration fee of 0.59%, a total annual percentage rate of charge (BVKKMN) of 13.53%, results in a total payable amount of €1,070.76 split into fixed monthly installments of €89.23.

Inbank "Moki10" – Split into 10 Clean Installments

This is an alternate conditional configuration mapped on top of a standard 24-month consumer credit contract:

• If you pay for your dental procedures in 10 equal parts precisely on schedule without a single delay, the contract is finalized with 0% interest and no added fees.
• Important Disclaimer: If you miss or delay a single monthly payment, the contract automatically loses its "Moki10" discount matrix, reverting to a standard 24-month payment chart carrying a 24.9% annual interest rate and a 0.4125%monthly fee (BVKKMN – 38.40%).

Overview of Financing Solutions

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