Your 医疗帐单 is just kept in the hospital for about one year. if you don't pay it off within one year, the bill will transfer to the 讨债公司.

After than, you can see this bill/libility in ur credit report, and will affect your score. you can not loan any thing.

but you may consult with a finance assistant provided by the讨债公司.

but this is just some cases. you may call to hospital to ask for the detail.case is vary always.

the respond/reply from hospital may mail back to you within one month.