Christian Hoyer

What Christian Hoyer does

JHC Service GmbH is a Cologne-based underwriting and credit broker operating under the brands medkred and medassure beauty, with Christian Wilhelm Hoyer as principal. The company is registered as a Versicherungsvertreter under § 34d Abs. 1 GewO, meaning it is a licensed insurance intermediary operating under German insurance-supervisory law. It targets two end users: patients seeking to finance medical or cosmetic procedures, and medical practices seeking a turnkey financing and insurance offering for their patients.

The company's core product surface comprises two offerings. medkred is a patient financing product that provides credit up to €50,000 for medical treatments, priced at an effective 10.99% annual rate, applied for through a digital platform with Video-Ident and Post-Ident identity verification. medassure beauty is a follow-up cost insurance product covering complications arising from cosmetic surgery, addressing the residual financial risk that medical financing alone does not cover. Together the two products form a financing-plus-protection bundle that the company distributes to medical practices, which in turn surface them to patients at the point of treatment decision.

The business model is B2B2C: JHC Service GmbH partners with medical practices to embed its products into patient consultations and administrative workflows. Revenue mechanics are insurance commissions on medassure beauty policies and interest income on medkred credit facilities. Customer acquisition combines direct practice partnerships with paid digital marketing across Google Ads, Facebook, and Twitter. The company is privately held, operates with 1-10 employees, has not disclosed external funding, and operates solely within the German market.

Name

Christian Hoyer

Legal name

JHC Service GmbH

Website

https://medkred.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

JHC Service GmbH is a Cologne-based licensed insurance intermediary and credit broker operating the medkred patient financing and medassure beauty follow-up insurance brands, distributing both products to medical practices on a B2B2C basis for German patients.

Ownership category

akta.pro rank

Headquarters

HQ city

Cologne

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commission: As a licensed insurance agent (Versicherungsvertreter), JHC Service GmbH receives commission from insurance companies for successful policy placements and ongoing policy management. This commission is included in the premium paid by the customer.
2. Financing Interest Income: Interest income from patient financing of medical treatments up to 50,000 Euro at 10.99% effective annual interest rate, subject to creditworthiness assessment.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

JHC Service GmbH, operating as medkred and medassure beauty, is a Cologne-based insurance intermediary and credit broker that provides patient financing for medical and cosmetic treatments up to €50,000 and follow-up cost insurance covering complications from cosmetic surgery up to €300,000. The company operates a digital-first platform where patients apply online for treatment loans and partner physicians offer in-practice financing with direct payout to the practice.

Product overview

medkred is a financing platform operated by JHC Service GmbH, an Assekuradeur (insurance underwriter) and Kreditmakler (credit broker) based in Cologne. The core product is medkred, which offers financing for medical and cosmetic treatments with loans up to 50,000 euros. This is offered alongside medassure beauty, a follow-up cost insurance (Folgekostenversicherung) that protects patients from financial risks of post-surgery complications up to 300,000 euros. Together, the two products form a comprehensive financial protection package for patients undergoing cosmetic procedures: medkred handles the upfront financing of treatment costs while medassure beauty insures against the financial risk of complications arising from those treatments.

Differentiator

Problem solved

Functional benefit

Products and services

• medkred patient financing medkred is a patient financing product that enables individuals to fund medical or cosmetic treatments through loans of up to €50,000, with a representative 10.99% effective annual interest rate. It is offered directly to patients via an online application and through partner doctors who provide in-practice financing commitments with direct payout to the practice, eliminating payment default risk for the provider. 0% financing options are available.
• medassure beauty follow-up cost insurance medassure beauty is a follow-up cost insurance (Folgekostenversicherung) covering complications arising from cosmetic surgery, with coverage up to €300,000 per complication case and an optional Ästhetik Plus add-on of up to €10,000 for additional treatments to restore aesthetic results. It is targeted at patients undergoing cosmetic procedures and is distributed through JHC Service GmbH as a licensed insurance intermediary.

Quantifiable outcome

• Financing approval decision available quickly
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor.

• DS EXTERN GmbHminorOthersExternal data protection officer (Datenschutzbeauftragter) providing GDPR compliance oversight. Contact via https://www.dsextern.de/anfragen with office in Hamburg, Germany.
• Facebook (Meta)minorGTM or Marketing PartnerJoint Facebook fanpage operation with Facebook as joint data controller per Art. 26 DSGVO for Insights data. Customer communication channel for marketing and support.
• Twitter (X)minorGTM or Marketing PartnerTwitter presence for company information and customer communication. Twitter serves as data processor for social media interactions.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Direct peers

• CareCredit (Synchrony Financial): The largest dedicated healthcare financing provider in the US, offering installment loans for dental, veterinary, cosmetic, and elective procedures through a partner-provider network. Directly comparable business model to medkred: patient financing at the point of care with the provider receiving direct payout and no payment-default risk.
• Alphaeon Credit: Specialty elective-procedure financing platform focused on ophthalmology, dentistry, dermatology, and cosmetic surgery in the US. Closely comparable to medkred in its vertical focus on elective/aesthetic treatments and provider-channel distribution.
• medipay: German medical treatment financing provider offering installment loans to patients for elective and cosmetic procedures through partner physicians. The closest geographic and product-line competitor to medkred in the German market.
• Sunbit: BNPL provider for healthcare, dental, automotive, and home services in the US, serving practices through embedded financing at checkout. Comparable to medkred in digital-first patient financing for elective healthcare with a partner-provider channel.
• Enhance Patient Financing: US elective-procedure financing company offering loans for cosmetic, dental, fertility, and bariatric procedures through partnered providers. Closely comparable vertical focus and partner-clinic distribution model to medkred.

Emerging players

• PayZen: AI-driven patient financing and billing platform for healthcare providers in the US, offering interest-free and long-term payment plans. Comparable to medkred in addressing patient affordability barriers at the point of care via provider partnerships.
• Walnut Healthcare: Healthcare-focused BNPL platform embedded in provider workflows, letting patients split medical bills into installments. Compares to medkred on digital, point-of-care elective procedure financing, though currently US-focused.

Broad incumbents

• Klarna (healthcare vertical): Global BNPL incumbent now extending pay-later offerings into healthcare and dental verticals. Comparable to medkred as a digital, interest-bearing installment product for medical purchases, with the same rate-spread economics and partner-channel GTM ambition.

Regional players

• Zenyum: Asia-focused clear-aligner dental brand that embeds patient installment financing directly into its treatment offering. Comparable to medkred on bundling elective procedure financing into the patient journey, though concentrated in Southeast Asia.
• Dentolo: German dental subscription and treatment financing provider partnering with dental clinics to make elective dental care affordable. Comparable to medkred on Germany-based elective-procedure financing via the partner-clinic channel, with a narrower dental-only focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/medkred
• Facebookfacebook.com/medkred.de

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Christian Hoyer