{"id":14201,"date":"2025-12-10T15:59:45","date_gmt":"2025-12-10T14:59:45","guid":{"rendered":"https:\/\/www.swikly.com\/?p=14201"},"modified":"2025-12-11T15:29:47","modified_gmt":"2025-12-11T14:29:47","slug":"digitalisation-du-parcours-patient-pourquoi-le-cheque-de-caution-reste-le-maillon-faible-des-cabinets-modernes","status":"publish","type":"post","link":"https:\/\/www.swikly.com\/en\/medical\/2025\/12\/digitalisation-du-parcours-patient-pourquoi-le-cheque-de-caution-reste-le-maillon-faible-des-cabinets-modernes\/","title":{"rendered":"Digitising the patient pathway: why the deposit cheque remains the weak link in modern practices"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"14201\" class=\"elementor elementor-14201\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-71b38a23 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71b38a23\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-251e497b\" data-id=\"251e497b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1853e2 elementor-widget elementor-widget-image\" data-id=\"a1853e2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"600\" src=\"https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/12\/takacs-alexandra-ZYz8MCAF4r0-unsplash-min-1-1024x768.jpg\" class=\"attachment-large size-large wp-image-14211\" alt=\"Digital patient pathway voucher\" srcset=\"https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/12\/takacs-alexandra-ZYz8MCAF4r0-unsplash-min-1-1024x768.jpg 1024w, https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/12\/takacs-alexandra-ZYz8MCAF4r0-unsplash-min-1-300x225.jpg 300w, https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/12\/takacs-alexandra-ZYz8MCAF4r0-unsplash-min-1-768x576.jpg 768w, https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/12\/takacs-alexandra-ZYz8MCAF4r0-unsplash-min-1-1536x1152.jpg 1536w, https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/12\/takacs-alexandra-ZYz8MCAF4r0-unsplash-min-1-2048x1536.jpg 2048w, https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/12\/takacs-alexandra-ZYz8MCAF4r0-unsplash-min-1-16x12.jpg 16w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acdd767 elementor-widget elementor-widget-heading\" data-id=\"acdd767\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The paradox of the digital practice<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f1ff323 elementor-widget elementor-widget-text-editor\" data-id=\"2f1ff323\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Surgery and anaesthesia practices have widely adopted digital tools: management software, computerised patient records, online appointment booking. Their administrative organisation has been modernised on all fronts.<\/p><p>Except for one: the collection of fees.<\/p><p>For practitioners in sector 2 (orthopaedic surgeons or\u00a0<a href=\"https:\/\/www.swikly.com\/en\/medical\/2025\/08\/anesthesiste-liberal-comment-securiser-ses-honoraires\/\" target=\"_blank\" rel=\"noopener\">private anaesthetists<\/a>\u00a0for example), the deposit cheque remains the norm. A paper relic in an environment that has become 100% digital. And this is not without consequences.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8872d94 elementor-widget elementor-widget-heading\" data-id=\"8872d94\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The hidden costs of cheque management<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ed3759 elementor-widget elementor-widget-heading\" data-id=\"0ed3759\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Impact on the administrative burden<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e5d44f elementor-widget elementor-widget-text-editor\" data-id=\"1e5d44f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-size: 1em;\">In a surgical secretariat, managing cheques represents a considerable burden:<\/span><\/p><ul data-path-to-node=\"12\"><li><p data-path-to-node=\"12,0,0\">Receipt and storage of cheques prior to intervention<\/p><\/li><li><p data-path-to-node=\"12,1,0\">Waiting for S\u00e9cu\/mutuelle reimbursements to calculate the exact out-of-pocket expenses<\/p><\/li><li><p data-path-to-node=\"12,2,0\">Deferred payment (30 to 90 days post-intervention)<\/p><\/li><li><p data-path-to-node=\"12,3,0\">Multiple reminders for cheques not deposited<\/p><\/li><li><p data-path-to-node=\"12,4,0\">Managing bounced cheques<\/p><\/li><\/ul><p data-path-to-node=\"13\">Concrete result: <b>between 5 and 8 hours<\/b> per week for secretarial tasks with little added value, to the detriment of patient care.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be9ed13 elementor-widget elementor-widget-heading\" data-id=\"be9ed13\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Structural financial risk<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92b0631 elementor-widget elementor-widget-text-editor\" data-id=\"92b0631\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-size: 1em;\">The figures speak for themselves:<\/span><\/p><ul data-path-to-node=\"15\"><li><p data-path-to-node=\"15,0,0\">10 to 15% of cheques never recovered (forgotten, refused, promises not kept)<\/p><\/li><li><p data-path-to-node=\"15,1,0\">NSF cheques: 3 to 5% of cash receipts<\/p><\/li><li><p data-path-to-node=\"15,2,0\">Average collection time: 60 days (compared with 15-20 days for a digital system)<\/p><\/li><li><p data-path-to-node=\"15,3,0\">Cash flow impact: several thousand euros in permanent timing differences<\/p><\/li><\/ul><p data-path-to-node=\"16\">For a practice carrying out 15 operations a month, with an average out-of-pocket expenses of \u20ac800, this represents \u20ac12,000 in fees to be secured each month. Annual losses on unpaid fees can exceed \u20ac10,000.\u00a0<span style=\"font-size: 1em;\">These issues are at the heart of the reflections on the\u00a0<\/span><a href=\"https:\/\/www.swikly.com\/en\/medical\/2024\/11\/que-faire-en-cas-d-honoraires-impayes-et-comment-les-eviter\/\" target=\"_blank\" rel=\"noopener\">managing overdue payments<\/a><span style=\"font-size: 1em;\">as explained in our article on the subject.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0e4bce elementor-widget elementor-widget-heading\" data-id=\"b0e4bce\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Degradation of the patient experience<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a5fcd7 elementor-widget elementor-widget-text-editor\" data-id=\"9a5fcd7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-size: 1em;\">The deposit cheque imposes constraints that are incompatible with a modern patient pathway: compulsory travel, managing a chequebook that is often impossible to find (especially for the under-40s), and the unpleasant psychological friction of leaving a deposit without knowing the exact final amount.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ef67f9 elementor-widget elementor-widget-heading\" data-id=\"1ef67f9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why the alternative has been slow to take hold<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd25a17 elementor-widget elementor-widget-text-editor\" data-id=\"dd25a17\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If cheques have survived for so long in the face of digital technology, it is also by default. For a long time, the alternatives seemed imperfect. Bank transfers? Too tedious to check and random. Pre-authorisation by bank card? It blocks the funds in the patient's account, which is unthinkable for amounts of several hundred euros, at the risk of putting the patient overdrawn even before the operation.<\/p><p>The firm therefore found itself caught between an archaic method (the cheque) and digital methods that were ill-suited to the specificities of the medical sector and the remaining out-of-pocket expenses.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eefb897 elementor-widget elementor-widget-heading\" data-id=\"eefb897\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The bank fingerprint: reconciling security and fluidity<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdd6a0e elementor-widget elementor-widget-text-editor\" data-id=\"bdd6a0e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Today, technology has evolved to offer the best of both worlds. This is where the concept of<a style=\"font-family: Lato, sans-serif; font-size: 1em; font-weight: 400; background-color: #ffffff;\" href=\"https:\/\/www.swikly.com\/en\/medical\/2025\/07\/lempreinte-bancaire-patient-une-solution-simple-pour-eviter-les-impayes\/\" target=\"_blank\" rel=\"noopener\">bank imprint not debited.<\/a><\/p><p>The principle is to reproduce the security of a deposit, but with the flexibility of the web. In practical terms, the patient receives a secure link (by SMS or email) well before the operation. With just a few clicks, they can enter their bank card details to secure their fees.<\/p><p>The major difference? No funds are blocked. The patient's bank limit is not affected, which immediately removes any psychological and financial obstacles. For the practitioner, however, the guarantee is there: solvency is checked and the funds are technically \"reserved\".<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dad4ba4 elementor-widget elementor-widget-heading\" data-id=\"dad4ba4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Towards \"Paperless\" and peaceful management<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c304c3e elementor-widget elementor-widget-text-editor\" data-id=\"c304c3e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Adopting this system radically transforms the day-to-day running of the firm.<\/p><p>Once the procedure has been carried out and mutual reimbursements have been made, the secretariat can trigger payment of the exact remaining amount, or let the system do it automatically at a set date. No more calculating whether the cheque covers too much or too little of the final amount. No more sending reimbursement cheques through the post.<\/p><p>For the administrative team, the atmosphere is changing. No more time spent chasing unpaid bills or checking signatures. The assistant can refocus on what makes her job worthwhile: the human touch, welcoming patients and preparing them for treatment.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e940b09 elementor-widget elementor-widget-heading\" data-id=\"e940b09\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Are patients ready?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ba476d elementor-widget elementor-widget-text-editor\" data-id=\"5ba476d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>This is often the number one fear of practitioners: \"My elderly patients won't make it\". But the reality on the ground shows the opposite. Your patients are already using this system to book a hotel room, a holiday rental or a car. It's now common practice.<\/p><p>What's more, transparency works in favour of digital: patients receive an immediate receipt, have a clear record of what has been paid, and no longer have to worry about a cheque being lost in the mail. For the rare cases of patients without a smartphone or bank card, a cheque remains a back-up solution, but it is becoming the exception (less than 5% of cases) rather than the rule.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05fb4ca elementor-widget elementor-widget-heading\" data-id=\"05fb4ca\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion: going the digital last mile<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1d915e elementor-widget elementor-widget-text-editor\" data-id=\"a1d915e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"1986\" data-end=\"2298\">Modernising a technical platform or a practice does not stop at the operating theatre door. In 2026, asking for a deposit cheque is an unnecessary friction in an otherwise excellent care pathway.<\/p><p data-start=\"1986\" data-end=\"2298\">Switching to dematerialised fee security isn't just about \"going modern\". It's about securing your cash flow in a pragmatic way and offering your patients the administrative convenience they've come to expect from any service, including medical ones. The cheque has had its day: it's time for serenity.<\/p><p data-start=\"1986\" data-end=\"2298\">\u00a0<\/p><p data-start=\"1986\" data-end=\"2298\">Would you like to transform your out-of-pocket expenses management and eliminate unpaid bills? Take a look at\u00a0<a href=\"https:\/\/www.swikly.com\/en\/medical-la-solution-contre-vos-impayes\/\" target=\"_blank\" rel=\"noopener\">our page dedicated to the healthcare sector for <\/a>find out more about our solutions for healthcare professionals.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>DPI, teleconsultation, online diaries: surgery and anaesthesia practices have massively digitalised their practices. However, one obsolete process persists and weighs heavily on the organisation: the management of deposit cheques for surgical fees. We take a look at this costly paradox and suggest practical ways out.<\/p>","protected":false},"author":1,"featured_media":14211,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_mo_disable_npp":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[347],"tags":[371,372,202,343,341],"class_list":["post-14201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medical","tag-cabinet","tag-digitalisation","tag-empreinte-bancaire","tag-impayes","tag-medical"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Digitalisation du parcours patient : pourquoi le ch\u00e8que de caution reste le maillon faible des cabinets modernes - Swikly<\/title>\n<meta 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