この記事の概要
Hair transplant surgery is an effective treatment for many people suffering from thinning hair or hair loss, but the cost is not cheap. It is important to know how to plan financially to cover the cost of the surgery. This article details the cost of hair transplant surgery, payment options, and financial planning.
Cost of hair transplant surgery
Cost breakdown
The cost of hair transplant surgery depends on many factors. Below is a breakdown of the major costs:
Surgery method: The cost varies depending on the surgical method, such as FUT (Follicular Unit Transplantation) or FUE (Follicular Unit Extraction). Generally, FUE is more expensive.
Number of grafts: The cost is determined by the number of hair follicles (grafts) to be transplanted . The more grafts, the higher the cost.
Clinic location: Costs also vary depending on where the clinic is located. Clinics in urban areas tend to be more expensive.
Doctor’s experience: Surgery by experienced doctors or specialists can be more expensive.
Additional costs: You will also need to consider costs outside of the surgery, such as anesthesia costs, post-operative care, and medication costs.
Estimated cost
The general cost of a hair transplant procedure is as follows:
FUT method: 200,000 to 1,000,000 yen
FUE method: 300,000 to 2,000,000 yen
Cost per graft: Approximately 500 to 1,000 yen
Payment Options
One-time payment
Merit:
There are no fees or interest.
There is no financial burden after payment.
Cons:
You will need to pay a large amount at once, so you will need to prepare the funds.
Installment payments
Merit:
There is no need to pay a large amount all at once, and the burden is reduced through monthly payments.
You can have surgery even if you have little money.
Cons:
Fees and interest may apply.
A longer payment period can result in a higher total payment.
Credit card
Merit:
Earn credit card points and miles.
Payments can be set up in installments or revolving payments.
Cons:
Interest and fees may accrue.
Be careful with your credit card limits.
Medical Loans
Merit:
They are often available at lower interest rates than conventional loans.
The procedure is simple as it is provided by a specialized financial institution.
Cons:
An examination is required, and depending on the results of the examination, you may not be able to borrow money.
Interest accrues, increasing the total amount paid.
insurance
Please note:
Hair transplant procedures are generally considered cosmetic and are therefore often not covered by health insurance.
Some insurance companies may provide compensation under certain conditions, so it is necessary to check in advance.
How to create a financial plan
Setting a budget
Surgery Cost Estimate:
You will receive a consultation at the clinic and be given an estimate of the surgery costs.
Set your budget taking into account the cost breakdown above.
Balancing the cost of living:
Consider how the cost of surgery will affect your living expenses and set a reasonable budget.
Be careful not to drastically reduce your standard of living just because of the cost of surgery.
Savings Plan
Setting a target amount:
Based on the budget you set, we will determine the target amount for surgery costs.
Ways to save:
By saving a fixed amount each month, you can plan ahead and prepare for the cost of surgery.
By saving your bonus or extra income, you can reach your goal amount faster.
Payment Plan
Installment payment simulation:
If you choose to pay in installments, we will simulate your monthly payments.
Check the total amount to be paid, including fees and interest, and create a payment plan that is affordable.
Loan Selection:
When considering a medical loan, get quotes from multiple financial institutions and choose the best loan for you.
Compare repayment terms and interest rates to see how much you’ll pay in total.
Securing emergency funds
Setting up contingency funds:
Set up a contingency fund to cover unexpected expenses after surgery.
Consider not only the cost of surgery, but also the cost of post-operative care and any additional treatments.
Support from family and friends:
If necessary, consider asking family and friends to contribute some of the funds.
Financial planning examples
Example 1: Lump sum plan
Estimated cost of surgery: 800,000 yen
Savings period: 12 months
Monthly savings: 66,667 yen
Bonus savings: Save 200,000 yen from your twice-yearly bonus
Example 2: Installment plan
Estimated cost of surgery: 800,000 yen
Number of installments: 12
Monthly payment: Approximately 66,667 yen (without interest)
Payment method: Credit card installment payment
Example 3: Medical loan planning
Estimated cost of surgery: 800,000 yen
Loan interest rate: 5%
Repayment period: 24 months
Monthly payment: Approximately 35,167 yen
Total payment: 844,008 yen
Conclusion
Hair transplant surgery is expensive, but with the right payment options and financial planning, you can have the surgery without difficulty. It is important to understand the breakdown of costs and payment options, set a budget, and plan your savings and payments accordingly. When considering surgery, be sure to consult with the clinic and financial institution to create the best financial plan for you.
Hiro Clinic Hair Transplant
Hiro Clinic recommends Natural Pro FUE treatment, which can be used on hairless areas where oral medication or injection therapy is ineffective, and leaves barely noticeable scars. Hair roots are harvested from the back of the head and partially shaved, making post-operative care easier, and only the required number of hairs are transplanted with a natural finish. It is a same-day procedure using local anesthesia, and provides gentle, gradual hair growth at an affordable price, making it a safe option in Japan.
