"Multiple Guarantors & Payments? Easy! PINus Software Manages It Automatically"
July 28, 2025
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By: Admin
In hospitals and clinics, managing guarantors and payments can often be a complex and time-consuming challenge. Many patients are covered by more than one guarantor—such as BPJS Health, private insurance, and still have out-of-pocket expenses to pay using a mix of payment methods like cash, debit cards, or credit cards.
This complexity can be confusing for front desk and cashier staff, leading to long queues and an increased risk of input errors.
🔹 A Practical Solution: Multi-Guarantor & Multi-Payment Feature from PINus Software
PINus Software eliminates this hassle. Our Multi-Guarantor & Multi-Payment feature is designed specifically to handle the complex yet common scenarios encountered in healthcare billing.
PINus Software eliminates this hassle. Our Multi-Guarantor & Multi-Payment feature is designed specifically to handle the complex yet common scenarios encountered in healthcare billing.
What Can PINus Do?
✅ Patients can have more than one guarantor in a single visit
✅ Any remaining balance not covered by guarantors is automatically billed to the patient
✅ Patients can make split payments—e.g., part by debit card, part in cash, or across multiple credit cards
✅ All transactions are recorded neatly, transparently, and traceably
✅ Patients can have more than one guarantor in a single visit
✅ Any remaining balance not covered by guarantors is automatically billed to the patient
✅ Patients can make split payments—e.g., part by debit card, part in cash, or across multiple credit cards
✅ All transactions are recorded neatly, transparently, and traceably
Example Scenarios Supported:
- An outpatient visit where BPJS Health is the primary guarantor and additional costs are claimed under private insurance
- A procedure partially covered by insurance, with external items or medications paid out-of-pocket via cash and debit card
- A single transaction that combines various payment methods while still generating a clear and accurate payment receipt
🔹 Big Benefits for Hospitals:
- Reduce the workload of cashier and billing teams
- Speed up the patient checkout and payment process
- Improve transparency and accuracy in financial records
- Support audits and reporting with valid, complete data
🔹 PINus Software: Flexible and Accurate Patient Financial Management
In today’s modern healthcare environment, flexibility in guarantor handling and payment methods is essential. With PINus Software’s Multi-Guarantor and Multi-Payment capabilities, hospitals no longer need to struggle with complex billing scenarios.
In today’s modern healthcare environment, flexibility in guarantor handling and payment methods is essential. With PINus Software’s Multi-Guarantor and Multi-Payment capabilities, hospitals no longer need to struggle with complex billing scenarios.
One visit, multiple guarantors? No problem.
One bill, multiple payment methods? Absolutely!
Everything is managed automatically—cleanly, efficiently, and reliably.
One bill, multiple payment methods? Absolutely!
Everything is managed automatically—cleanly, efficiently, and reliably.
PINus Software – The Smart Solution for Modern Hospitals
Faster. More Flexible. Smarter.
Faster. More Flexible. Smarter.
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