Buying Medical and Healthcare Services with Gold: A Secure Solution in Inflationary Conditions

🏥 Introduction: The Crisis of Medical Costs in Iran

In recent years, medical costs in Iran have increased dramatically. Inflation in the healthcare sector has even exceeded general inflation, leaving many Iranian families struggling to afford medical treatments.

Alarming Statistics:

• Medical costs have increased by 450% over the past 3 years

• 35% of Iranian families have postponed treatment at least once due to costs

• Prices of some surgical procedures have grown by 300-400%

• Dental costs for an average family now equal 3 months of income

But there is a secure solution: Buying medical and healthcare services with gold

💊 Why Buy Healthcare Services with Gold?

1. Necessity and Avoiding Treatment Delays

Medical treatments cannot be postponed. When you don't have enough cash, gold can be a lifesaver.

Real Example:
Ali, a father of four, urgently needed surgery. By selling his wife's gold through Kartiyam, he was able to pay for the operation without having to wait to gather cash.

2. Value Preservation During Long-term Treatment

Some treatments last for months (such as chemotherapy, physiotherapy). If paid with cash, your money loses value. But gold maintains its value.

3. Inadequate Insurance Coverage

Many medical services are either not covered by insurance or have insufficient coverage limits. Gold can fill this gap.

🏨 What Services Can Be Purchased with Gold?

1. Hospital Services

• Various surgical procedures

• Hospitalization

• Emergency services

• Childbirth and maternity services

• ICU and CCU services

2. Paraclinical Services

• Specialized laboratory tests

• Ultrasound, MRI, CT scans

• Radiology services

• Genetic testing

3. Dental Services

• Implants and prosthetics

• Orthodontics

• Root canal treatment

• Gum surgery

• Cosmetic dentistry

4. Outpatient Services

• Specialist consultations

• Physiotherapy

• Occupational therapy

• Speech therapy

• Optometry services

5. Medicine and Equipment Purchases

• Special and expensive medications

• Home medical equipment

• Nutritional supplements

• Medical consumables

🩺 Process of Buying Medical Services with Gold

Step 1: Finding Accepting Medical Centers

• Hospitals, clinics, and offices with the "Kartiyam Acceptor" sign

• Selected pharmacies

• Diagnostic laboratories

Step 2: Consultation and Cost Estimation

• Initial consultation with doctor

• Receiving detailed cost estimate

• Checking insurance coverage (if applicable)

Step 3: Converting Cost to Gold

• Kartiyam system automatically converts Rial amount to equivalent gold weight

• Based on real-time 24-karat gold price

• Option for partial payment with gold and partial with cash

Step 4: Payment by Scanning QR

• Scan the medical center's QR code

• Equivalent amount deducted from your gold balance

• Receive official receipt

Step 5: Receiving Services

• Receive medical services

• Obtain medical documents and reports

• Follow up if necessary

💰 Practical Calculation: Surgical Procedure Cost with Gold

Scenario: Surgery costing 50 million Tomans

💰 Surgery cost: 50,000,000 Tomans
💰 Today's 24-karat gold price per gram: 3,500,000 Tomans

Calculation:
50,000,000 ÷ 3,500,000 = 14.28 grams of 24-karat gold

🎯 Result: By paying approximately 14.3 grams of gold, you undergo your surgery.

Important Note: If your treatment lasts 6 months and gold price rises to 4,200,000 Tomans:

• Value of your paid gold: 14.3 × 4,200,000 = 60,000,000 Tomans

• But you've received timely treatment and preserved your health

• Treatment delays could have much higher costs

🏆 Advantages of Buying Medical Services with Gold

1. Immediate Access to Treatment

No need to wait to gather cash. With gold balance, you can act immediately.

2. Asset Value Preservation

During long treatment periods, gold maintains value while cash loses value.

3. Reduced Financial Stress

When you know you have valuable assets for emergencies, you experience less stress.

4. Long-term Planning Capability

You can plan and save gold for future treatments (like dentistry, cosmetic surgery).

5. Immunity from Currency Fluctuations

Medical costs are usually linked to dollar rates. Gold typically moves in correlation with the dollar.

⚕️ Special Services for Specific Groups

1. Elderly

• Care and nursing services

• Periodic medications

• Regular check-ups

• Mobility assistance equipment

2. Children

• Vaccinations

• Growth check-ups

• Orthopedic treatments

• Child psychology services

3. Special Needs Patients

• Special disease medications

• Periodic treatments

• Specialized equipment

• Rehabilitation services

4. Pregnant Women

• Periodic check-ups

• Required ultrasounds

• Childbirth and postpartum care

• Newborn services

🛡️ Suggested Program for Families

Family Health Gold Program:

1. Calculate Annual Needs: Average family medical costs from previous year

2. Determine Gold Share: Allocate 50-70% of this amount to gold

3. Gradual Gold Purchase: Buy specific amount of gold monthly

4. Store in Kartiyam: Save gold in Kartiyam account

5. Use When Needed: Use for medical expenses when necessary

Example for a 4-person family:

• Annual medical costs: 20 million Tomans

• Gold share (60%): 12 million Tomans

• Equivalent gold: 12,000,000 ÷ 3,500,000 = 3.4 grams gold monthly

• Meaning save 3.4 grams gold monthly for family health

⚠️ Important Points and Essential Warnings

1. Choosing Reputable Centers

• Use only centers licensed by Ministry of Health

• Choose official Kartiyam acceptors

• Avoid unlicensed centers

2. Cost Verification

• Ensure cost transparency

• Receive detailed invoices

• Check for additional charges

3. Documents and Records

• Carefully review treatment contracts

• Keep payment receipts

• Obtain medical reports

4. Insurance Matters

• Check your insurance coverage

• Prepare necessary documents for insurance

• Consider supplementary insurance if possible

💡 Smart Solutions

1. Family Health Gold Fund

Create a separate account in Kartiyam for family medical expenses and add gold to it monthly.

2. Golden Insurance

Instead of expensive supplementary insurance, save specific gold amounts monthly for treatment.

3. Family Participation

Family members collect gold together for health fund.

4. Using Old Gold

Transfer old and broken gold to health account.

📊 Comparison of Medical Payment Methods

🏥 Introduction of Kartiyam-Accepting Medical Centers

Hospitals and Large Centers:

• Private hospitals in major cities

• Specialized clinics

• Advanced imaging centers

• Reference laboratories

Clinics and Small Centers:

• Various specialist offices

• Dental centers

• Cosmetic clinics

• Physiotherapy centers

Pharmacies:

• 24-hour pharmacies

• Selected pharmacies

• Medical equipment sales centers

❓ Frequently Asked Questions

Question 1: Are all medical centers Kartiyam acceptors?

Answer: No, but their numbers are increasing daily. You can find accepting centers in your city through the Kartiyam app.

Question 2: What if additional costs arise during treatment?

Answer: Kartiyam system allows additional payments. You can pay partially with gold and partially with another method.

Question 3: Can gold be used for emergency services?

Answer: Yes, many accepting hospitals provide emergency services with gold payment.

Question 4: How to ensure fair pricing?

Answer: Kartiyam contracts with reputable centers to provide transparent and fair pricing. You can also get quotes from multiple centers.

Question 5: Can medical services be paid in installments with gold?

Answer: Depends on the medical center's policy. Some centers offer this option.

🚑 Practical Scenarios

Scenario 1: Emergency Surgery

Ahmad urgently needed appendectomy. With 20 grams of gold balance in Kartiyam, he could undergo surgery the same night without his family having to sell gold and prepare cash.

Scenario 2: Family Dentistry

Ms. Mohammadi needed dental work for herself and her two children. With 6 months of gold savings in Kartiyam, she could pay all costs.

Scenario 3: Long-term Treatment

Mr. Karimi needed 6 months of physiotherapy. By paying with gold, he didn't worry about his money losing value during those 6 months.

Scenario 4: Special Medicine Purchase

Sara needed monthly medication for a special condition. By setting up automatic monthly payments from her Kartiyam gold account, she no longer worried about obtaining medicine.

💎 Action Plan to Start

Step 1: Current Situation Assessment

• Calculate family's medical expenses from previous year

• Predict future medical needs

• Check current gold balance

Step 2: Goal Setting

• Determine required gold amount for family health

• Set monthly gold purchase program

• Create health account in Kartiyam

Step 3: Implementation

• Purchase planned gold monthly

• Deposit to Kartiyam health account

• Use for medical expenses when needed

Step 4: Review

• Review program every 6 months

• Adjust according to gold price and treatment cost changes

• Share experiences

🏁 Conclusion: Health with Gold, Peace with Kartiyam

In today's economic conditions in Iran, covering medical costs has become a major concern. Buying medical services with gold is an intelligent solution for:

1. Maintaining health without financial stress

2. Staying protected from inflation during long treatments

3. Immediate access to needed services

4. Long-term family health planning

Kartiyam has made it possible to use your gold directly for medical payments without needing to sell gold and convert it to cash.

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🌟 Final Message:

Your health is priceless, but it has costs.
Pay with gold, get treated with peace of mind.

Take action today:

1. Install Kartiyam app

2. Create family health account

3. Start saving health gold

4. Get treated with peace when needed

Remember: Prevention is better than cure, but when you need treatment, gold is your best companion.

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This article has been prepared by Kartiyam team. Your health is our investment.