Surgical fees are paid in Euros cash directly to Dr Djinovic only when you actually go to Belgrade and only for the surgery you are getting during that visit.

The doctor has no policy of down payments or advance payments. There are no down payments and no advance payments unless a patient chooses to pay by electronic, bank-to-bank wire transfer.

We are a foundation, not a company, so we do not accept plastic cards or check payments of any type for international medical tourism.

Checks (cheques) of any type are NEVER acceptable. NO CHECKS EVER.

Dr Djinovic and the Sava Perovic Foundation have no “payment plans” like in the USA where credit and buying something you cannot afford is a concept deeply embedded in the system.

An electronic bank-to-bank money transfer (T/T) is a possible alternative payment method for the bulk of a large payment, such as for Total Phalloplasty Package “F”.

However, the doctor still asks patients to bring at least Euros 4000 cash. Patients should always try bring at least Euros 4000 cash for any surgical procedure, even if a wire transfer is used for paying the bulk of a surgical fee. Dr Djinovic incurs many immediately due hospital costs for patients.

Payment by wire transfer should be sent at least a week in advance so the doctor can find time to check it's arrival in our bank before surgery. Dr Djinovic has little time to check incoming financial transactions because of his very full schedule of surgeries.

All prices are quoted in Euros. The symbol for Euros is €. Currency exchange rates change continually all day and every day so our prices in currencies other than Euros also changes.

If you want to know the approximate cost at the moment in US dollars or Canadian dollars or British Pounds Sterling or another currency, you need to search online for “exchange rates” or “FOREX” or something similar.

If you carefully watch FOREX and buy Euros when the dollar (or your currency) is strong and the Euro weak, then you can save a significant amount of money.

The difference between the high and low exchange rate can be 13-15% — a difference of up to US$3,300 at times. If watching FOREX is too much work, then you just buy the Euros and they cost whatever they cost.

Serbian banking is underdeveloped and restrictive.

It is not possible for any international medical tourist already inside Serbia to withdraw or transfer large sums of money in a timely manner.

You must bring the cost of surgery with you or send it ahead in advance.

The preferred method of payment is Euros cash directly to Dr Djinovic in Belgrade when you go for surgery.

After you have had your physical exam and consultation with the surgeon and after you have made a final decision to move forward, get surgery and have signed the Informed Consent Form, THEN is the appropriate time to pay for your surgery.

In Belgrade, you will be able to withdraw very little money from your bank account using ATM machines and it would take you weeks to cash traveler's checks to accumulate the amount needed for any surgery because of FOREX restrictions.

Cash or wire transfer in advance (or a combination of the two methods) are the only surgery package payment options.

If you decided to get your PRE-ARRIVAL tests after arrival in Belgrade, you can pay the hospital for those using cash or any type of plastic card.

However, there are international ATM machines all over Belgrade. They enable you to take cash directly out of your home bank account and instantly, automatically convert it into Republic of Serbia Dinar, day or night. Quick, easy, convenient.

In Belgrade airport you can find an international ATM machine that accepts MasterCard, Visa, Maestro, Visa Electron, Cirrus and Plus.

You can withdraw up to Dinar 30000 at one go -- nearly US$385. (1 US dollar = 77.75 Dinar [RSD] approximately).

MasterCard, Visa, Maestro, Visa Electron, Cirrus and Plus plastic cards, credit or debit, can be used easily all over Belgrade to pay for food or other services.

NOTE: Taxis require cash and accept only Dinar but patients can expect our driver to meet you at the airport and bring you to the Foundation or hospital.

Insurance

The Sava Perovic Foundation is not a company nor a business but a teaching foundation so not a member of any insurance schemes or insurance networks.

The leading private hospitals used by Dr Djinovic can process insurance claims only through the providers listed below and only for services they provide to you that are outside the surgical package provided by Dr Djinovic such as the pre-arrival tests required of all patients.

• ALICO - Del Am Life
• Allianz
• AP Companies
• Cigna
• David Shield
• GMC
• International Global Benefits Group
• Mobility Saint Honoure
• SOS International
• Van Breda

Insurance schemes run by governments such as the “JU-5 Datasheet” of Germany, do not pay for nor do they enable patients to be reimbursed for surgery performed at private hospitals and clinics in Serbia.

Dr Djinovic does not use government medical facilities in Belgrade for global medical tourists.

Patients have not had much joy trying to use insurance providers in the Netherlands.

Every day insurance companies enter into new contractual arrangements with European hospitals. It is a common and easy if the insurance company is truly interested in extending their coverage to include the world's best urogenital surgical solutions which are available only in Belgrade, Serbia.

We can provide you with the hospital contact details for your insurance provider to contact them directly and enter into a business relationship.

Only when Dr Djinovic has been able to create our own medical facility owned by the Foundation will we be able to accept insurance payments for surgical procedures performed by the Sava Perovic Surgical Team.

The Sava Perovic Center could come into existance in 2013.