The Promise Promissory Note For Hospital Bill is a crucial document in Hong Kong's healthcare financial management system, typically used when patients require a formal payment arrangement for substantial medical bills. This document is particularly relevant when immediate full payment isn't possible or when structured payment plans are preferred. The note, governed by Hong Kong law, particularly the Bills of Exchange Ordinance and Hospital Authority Ordinance, creates a legally binding obligation for the patient to pay the specified medical expenses. It includes essential details such as the principal amount, payment schedule, interest rates, and default provisions. The document serves dual purposes: providing hospitals with a legally enforceable instrument for debt collection while offering patients a formal framework for managing their medical expenses. It's commonly used in both public and private healthcare settings and may involve various stakeholders including guarantors and insurance providers.
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1. Identification of Parties: Names, addresses, and identification details of the maker (debtor/patient) and payee (hospital/medical institution)
2. Promise to Pay: Unconditional promise to pay a specific sum of money, with the total amount written in both numbers and words
3. Payment Terms: Details of payment schedule, including due date(s), installment amounts (if applicable), and payment method
4. Interest Rate: Specification of any applicable interest rate and how it is calculated
5. Place of Payment: Specific location or method where payment should be made
6. Default Provisions: Consequences of failing to make payments as agreed, including any acceleration clauses
7. Governing Law: Statement that the note is governed by Hong Kong law
1. Collateral: Description of any assets pledged as security for the note, used when the debt is secured
2. Guarantor Details: Information about any guarantor(s) who are also responsible for the debt, included when there is a third-party guarantee
3. Prepayment Terms: Conditions for early payment of the note, included when early payment is allowed
4. Late Payment Penalties: Specific penalties or additional charges for late payments, included when applicable
5. Assignment Rights: Terms regarding the right to assign or transfer the note, included when transferability needs to be addressed
1. Schedule A - Hospital Bill Details: Itemized breakdown of the hospital bills and medical charges that comprise the total amount
2. Schedule B - Payment Schedule: Detailed schedule of installment payments including dates and amounts, if payment is to be made in installments
3. Schedule C - Collateral Details: Detailed description of any collateral securing the note, including registration numbers or identifying information, if applicable
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