Services for doctors  

The scheme developed for doctors was studied in order to ease professionals from troublesome managerial duties.  
It offers, in fact, financial support for professional and family projects enhancing the assets administration through an integrated series of services pertaining payments, investment and financing.  
The advantages provided are manifold:  
 immediate settlement of credits from Insurance Companies for services to insured patients;  
 advance of credits from the Local Health Care Centres;  
 payment, in a continuative way, of levies, taxes and utility bills;  
 financing to apply for professional refresher training with a facilitated rate of discount and in a short period of time;  
 financing professional start-up costs with a facilitated rate of discount and in a short period of time;  
 financing the purchase or the restructuring of premises on particularly favourable conditions;  
 opening the special “KOS Account” that guarantees a large number of services that are completely free or have very low costs;  
 personalised management of liquid assets through assets administration, common funds, investments in Lira or other currencies, purchase of certificates of deposits and government securities on the best market conditions;  
 the “Scala Reale” card, a special card that makes it possible to withdraw cash and to buy in Italy as well as abroad at the facilities and machines having an agreement with the Bancomat, PagoBancomat, Cirrus and Maestro circuits, to pay motorway tolls and to make international phone calls at discounted rates. Further information and details are shown in the table.  

Services for private health  
care facilities  

BNA's KOS System can provide all private health care facilities with professional consulting and the ideal services to tackle this field's problems both from a financial as well as managerial and insurance points of view.  
The KOS System can help you simplify and harmonise your current management's activities, finance your projects, enhance the financial management.  
You will benefit from:  
 immediate settlement of credits from Insurance Companies for services to insured patients;  
 advance of credits from the Local Health Care Centres;  
 payment, in a continuative way, of levies, taxes and utility bills;  
 a service account to manage and pay invoices issued from suppliers by using a special credit line;  
 speaking in real time with BNA through computers connected with the Bank's network in order to carry out directly many operations on the current account and to order collections and payments;  
 management of liquid assets through assets administration, common funds, investments in Lira and other currencies, purchase of certificates of deposits and government securities on the best market conditions;  
 financing projects to purchase, widen or restructure real estates, to purchase technical equipment and advanced technology even by leasing;  
 all the major personal and corporate credit cards that can be used in Italy and abroad, such as CartaSi in its various types: basic, ORO, Business;  
 prime rate financing to customers for services provided by the facility itself;  
 installing automatic collection systems such as POS for payments with credit cards and PagoBancomat;  
 installing Bancomat automatic teller machines in premises having a suitable size.  

Services for health care workers  

The KOS System intends to enhance savings by providing families with free insurance coverage, easing every-day responsibilities and making it possible to carry out projects at limited rates.  
The proposed current account gives a large number of services and products that are either free or provided on special conditions.  
The free services and products are:  
 cheque-books;  
 Securities safe custody rights;  
 payment of utility bills with direct   debit on the current account;  
 a legal liability policy for the home-  owner (in case the salary or the pension are entered to the credit of the current account and at least a utility bill is automatically debited);  
Besides all this, a series of further benefits are provided, including a special accident policy against death and disablement, the use of a safe-deposit box, the “Scala Reale” card, the CartaSi credit card, an overdraft with a two months' salary at limited rates, the possibility of having access to the “Finanzafamiglia” financing that makes it possible to restore immediately the credit and to use it again.  
The range of services provided by the KOS System is really wide and allows professionals to choose from the most interesting ones according to their professional, family and investment prospects.  
A scheme devoted to those who can understand the value of a co-ordinated management of single problems.  
Within this context, the name BNA chose for its service is certainly not casual and the reference goes beyond medicine.  
Kos, the Aegean's island, Hippocrates' birthplace and the seat of a medicine school at the Asclepius' sanctuary, expresses, in fact, a precise concept: being a complete set of services allowing health care professionals to be totally autonomous from a managerial and financial standpoint.  

Free-call telephone number  
167/295458