Health Insurance: Protect Yourself and Your Family

Get coverage for medical expenses with our flexible personal loan. Simulate your loan in just a few clicks.
Système de poêle à bois financé avec le prêt personnel Commasotto

With a monthly payment of 199.67 CAD/month over 60 months, Sophie and Marc were able to borrow 10,000 CAD at 7.6% for a total repayment of 11,979.99 CAD and secure their new health insurance coverage.

Secure Your Health and Financial Peace of Mind!

With the Commasotto Health Insurance loan, you can finance up to 100% of your health coverage needs!

In today's world, where health protection is more important than ever, Health Insurance emerges as an essential solution for anyone looking to safeguard their well-being while managing costs effectively. Whether it’s coverage for medical expenses, dental care, or unexpected health needs, our Health Insurance loan can help you get the protection you need.

Commasotto Health Insurance is Here for You

Our personal loan allows you to borrow the necessary funds for your health coverage! For moderate amounts that typically do not involve property acquisition, the personal loan is perfect for your cash flow needs. With Commasotto, you can borrow from 5,500 to 60,000 CAD for your health insurance plan, with a repayment period from 12 to 120 months. The personal loan also gives you total freedom in managing your expenses, allowing you to cover additional costs like wellness programs or specialized treatments. Simulate your request now using our online simulator and choose the loan option that best suits your needs!

Before you start, make sure you are informed about the different programs and benefits you may qualify for to make your health coverage more accessible.

Programs and Loans for a Controlled Budget

Available Support Options

When planning health coverage, it is crucial to know about the financial support available. Our Health Insurance loan can be complemented by various programs, from interest-free loans to government grants. These programs are designed to encourage individuals to secure comprehensive health protection. By taking advantage of these programs, if eligible, you can reduce the overall cost of your coverage.

Programs and grants exist to promote health protection. These may include regional subsidies, interest-free loans, or specific tax credits. By exploring these options, you maximize your chances of obtaining financing tailored to your health coverage needs. Visit the Health Canada website to learn more.

Eligibility Conditions

To benefit from financial support, it is essential to meet certain eligibility criteria. Requirements vary depending on the program, but generally include proof of income, a clear health coverage plan, and sometimes consulting certified providers. By meeting these conditions, you can access specific support for your health expenses.

Additional Savings

By choosing effective health coverage solutions, you not only reduce your out-of-pocket expenses but can also achieve long-term savings on medical costs. These savings allow for a quicker return on investment while enhancing your well-being and security.

A Rate Designed to Support Your Health Goals

Health and well-being are our top priorities. That’s why we offer rates designed to make financing your health insurance easier while respecting your budget.

By combining various support programs and benefits, you can secure health coverage that protects your well-being while staying within budget. Want to check your eligibility for available support programs? Our trusted partner Nidomio can guide you. Find everything you need to know about health coverage financing in just a few clicks on their website.

Hard hats and safety boots: covered! But have you considered health insurance?

In life, you can never be too careful. Borrowing money can be a source of worry, which is why we offer an optional Health Insurance loan to protect your coverage. Ensure peace of mind for yourself and your loved ones: choose the plan that suits you best, so your health and finances are well protected. Ready to prepare for any eventuality?

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Benefits of the Commasotto Health Insurance Loan

  • 100% online and no application fees

  • Monthly payments adapted to your needs, adjustable on request

  • Funds transferred within 48 hours (1) to your bank account

  • Repayment terms from 12 to 120 months

  • Special rates designed to support your health and well-being

  • Loan amounts from CAD 5,500 to CAD 60,000

Looking to improve your health coverage?

Discover our other personal loan options to help you finance health and well-being improvements

Preventive Care Loan

If you want to enhance your overall health protection and ensure better long-term wellness, investing in preventive care is essential. Whether you plan to cover routine check-ups, vaccinations, or health assessments, our Preventive Care personal loan provides the financing you need so you don’t have to worry about cash flow while taking care of your health.

Wellness Improvement Loan

Improving your personal health and well-being can involve multiple expenses: new health equipment, fitness programs, mental health support, or nutritional guidance. That’s why Commasotto offers loans to finance your wellness improvements either fully or partially, complementing any government or private health assistance programs you may qualify for. Don’t wait—simulate your loan now and start investing in your well-being!

An Example of Health Insurance and Key Takeaways

Loan Amount

10,000 CAD

Over 60 months

  • Fixed APR7.6 %
  • Monthly Payments199.67 CAD
  • Total Loan Cost1,979.99 CAD
  • Total Amount Payable11,979.99 CAD

Your Questions About Health Insurance Loans with Commasotto

What types of projects can I finance with an Commasotto Health Insurance loan?

What type of project can you fund with an Commasotto personal loan?

The Commasotto personal loan is not limited to purchasing a specific product or service. It is ideal for financing a wide range of projects and related expenses, such as:

Personal Projects

Whether it is for vacations, a wedding, or unexpected expenses, an Commasotto Health Insurance loan can help you achieve your personal goals. Its flexibility allows you to adjust the loan amount and repayment period according to your needs, making your projects more accessible.

Home Improvements

Need changes in your primary or secondary residence? Our Home Improvement Loan can help you upgrade your spaces. From small renovations to major projects, you can borrow up to €60,000 for this type of project.

Vehicle Upgrades

Car or two-wheeler, we finance your future mode of transportation! Whatever your mobility needs, Commasotto Health Insurance loans adapt to your project. Drive at your pace and choose your repayment plan.

Eco-Friendly Projects

With growing awareness of environmental issues, many borrowers choose to invest in eco-friendly projects. Commasotto personal loans can finance energy-efficient renovations, the purchase of green equipment, or initiatives aimed at reducing your carbon footprint.

Commasotto offers a wide variety of personal loans depending on your project. Learn more about the terms and conditions in our personal loan guide!

Our Loan Guide: Everything You Need to Know

Loan Information

Choosing the Right Loan for Your Project

If you have a project in mind and need financing, there is a suitable loan for every type of project. Commasotto offers, in this loan guide, an overview of the financing options available to you.

Loan Definition in 4 Points:

  • A loan is a sum of money (principal) provided to you to achieve your projects.

  • This principal is lent over a determined period (term) agreed upon when taking out the loan.

  • The lent principal is repaid in monthly installments.

  • Monthly installments include repayment of the principal and the interest.

Key Comparison Points:

Whatever type of loan you are offered, two criteria must be analyzed: the APR and the total loan cost.

  • APR (Annual Percentage Rate): This is the rate applied to your loan. It can be fixed or variable depending on the loan type. The APR includes all costs related to the financing of the project (application fees, insurance fees, etc.).

  • Total Loan Cost: This considers all fees payable within the framework of a loan. It includes interest over the total loan period as well as possible administrative or insurance fees.

Different Types of Consumer Loans

Personal Loan or Revolving Credit?

  • Personal Loan: This loan is contracted to finance a specific project or identifiable asset (car, renovation, etc.). You repay each month part of the principal along with the associated interest. Monthly repayments are fixed, as is the APR. When you sign your loan contract, you know in advance the monthly repayment amount (interest included) and the loan term.

  • Revolving Credit: This credit is not tied to a specific purchase, so you do not need to provide proof of use. Based on your declared income and expenses, a sum of money is made available. As you repay, your credit line is replenished and can be reused as needed. This type of consumer credit offers flexibility but requires careful financial management.

    Download the document: Fee information for payment account services

    (Effective date 01/04/2023)

How Long Until the Funds Are Available?

Once I finalize my insurance loan application, how long will it take to receive the funds for my project?

You have already estimated the amount needed for your project and now want to know the timeline for receiving your loan to plan accordingly. Being well-informed helps avoid any surprises. Here’s the answer:

The funds for your loan will be available in your bank account within 48 hours on business days after your application is processed. (Subject to approval of your application by Commasotto Financial Services, after the legal withdrawal period, and submission of required documentation.)

View Policy Terms

Example of a Personal Insurance-Linked Loan (excluding optional insurance): for a total credit amount of CAD 14,500, repayable over 60 monthly installments of CAD 289.50 (excluding optional insurance). Fixed Annual Percentage Rate (APR): 7.60% (excluding optional insurance). Fixed debtor rate: 7.35%. One-time fees: CAD 0.00. Total credit cost: CAD 2,867.00. Total amount payable by the borrower: CAD 17,367.00. First installment due in 30 days. Effective loan term: 60 months. You have a right of withdrawal. Annual Insurance Percentage Rate (AIPR) for a single insured (excluding any additional premiums) covered at 100% based on the Comfort coverage (including Death, Total and Irreversible Disability, and Temporary Total Incapacity) under the "My Personal Insurance" policy no. 5035: 2.91%, representing a monthly insurance cost of CAD 18.85, added to the monthly installment indicated above. The total insurance cost over the full loan term is CAD 1,131.00. Optional group borrower insurance "My Personal Insurance" policy no. 5035 is underwritten by Arkéa Financements & Services with Suravenir and Suravenir Assurances, companies regulated by the French Insurance Code. Offer available for loans ranging from CAD 7,975 to CAD 87,000, with repayment periods from 12 to 120 months. Fixed APR: 7.60%.
Subject to acceptance of your application by Arkéa Financements & Services, expiration of the legal withdrawal period, submission of required documents, and unchanged personal and financial circumstances at the time of signing your loan agreement.
Conditions effective as of 07/09/2025.
Commasotto offers a range of insurance-linked financing solutions developed by Arkéa Financements & Services.
Lender: Arkéa Financements & Services – Headquarters: 335, rue Antoine de Saint-Exupéry, 29490 GUIPAVAS - Public Limited Company with Management Board and Supervisory Board, share capital CAD 304,500,000 – RCS Brest B 338 138 795. Insurance brokerage company, ORIAS registration no. 07 019 193 (verifiable at www.orias.fr).

Advertising document for informational purposes only and non-binding.

* The borrowable amount depends on the type of project you wish to finance. For example, for home renovations with insurance coverage, you can borrow from CAD 7,975 to CAD 87,000 over repayment periods ranging from 12 to 120 months.

** Fixed APR of 4.90% for an energy-efficiency Renovation Loan of CAD 17,400 over a 12-month repayment period.

(1) Bank transfer within 48 business hours after processing your request. Subject to acceptance of your credit file by Arkéa Financements & Services, expiration of the legal withdrawal period, and submission of required documents.