At Finance Health Group, we believe that financial constraints should not stand between patients and the treatment they need. We act as a Broker intermediary, connecting eligible patients with third-party finance providers across 19 countries to help make medical and dental treatment more accessible through flexible instalment options.
Financing availability depends on the patient’s country of residence, the relevant provider’s criteria, and the patient’s individual credit profile. The current maximum limits and terms are as follows:
| Country | Maximum Limit | Maximum Term |
|---|---|---|
| USA | USD 10,000 | 36 months |
| Germany | EUR 10,000 | 24 months |
| United Kingdom | GBP 5,000 | 24 months |
| Austria | EUR 5,000 | 36 months |
| Sweden | SEK 100,000 | 36 months |
| Norway | NOK 75,000 | 36 months |
| Denmark | DKK 50,000 | 3 months |
| Finland | EUR 3,000 | 36 months |
| Netherlands | EUR 4,000 | 3 months |
| Poland | PLN 5,000 | 3 months |
| Romania | RON 5,000 | 3 months |
| Spain / Italy / France / Belgium / Ireland | EUR 1,500 | 3 months |
| Czech Republic | CZK 25,000 | 3 months |
| Greece / Portugal | EUR 1,000 | 3 months |
Please note that approval is always subject to the relevant provider’s decision, and the final approved amount may be lower than the country maximum shown above.
Our financing process is designed to be transparent and straightforward:
Apply online through the approved financing link provided by the hospital or clinic.
Receive a decision from the relevant finance provider.
If approved, the net payout is transferred to the patient’s bank account after 14 days.
The patient then pays the hospital or clinic directly for the agreed treatment.
Finance Health Group Ltd does not lend directly and does not provide the credit itself. We act solely as a credit intermediary between the patient and the relevant third-party finance provider.
To support patients using this financing model, partner hospitals or clinics may apply a Financing Discount to the quoted treatment price. At the same time, a 10% Administrative Fee is deducted from the approved financing amount for brokerage and processing services.
This structure is designed so that, where applicable, the patient’s net payout aligns with the discounted treatment price.
Illustrative example:
If the approved financing amount is EUR 10,000, a 12.5% Administrative Fee of EUR 1,250 is deducted, and the patient receives EUR 8,750 in their bank account. If the hospital has applied a corresponding 12.50% Discount to the treatment fee, the patient can then use the net payout to pay the discounted treatment price directly.
Repayment amounts may vary depending on the patient’s credit profile and selected instalment period. The examples below are indicative only.
Example for GBP 5,000 approval
24 months × £254 = £6,096
12 months × £463 = £5,556
6 months × £882 = £5,292
Example for EUR 10,000 approval
24 months × €473.20 = €11,356.80
12 months × €890.95 = €10,691.40
6 months × €1,728.09 = €10,368.54
Can I check my eligibility quickly?
Yes. Patients can typically check their eligibility in around 60 seconds through the approved application link.
Will checking eligibility affect my credit score?
No. The initial eligibility check is carried out as a soft check, so it does not affect the patient’s credit score.
Can I repay early?
Early repayment or full settlement may be possible, depending on the rules and terms of the relevant third-party finance provider. Patients should contact the lender directly for details.
What happens if I cancel my treatment?
The financing agreement is separate from the medical treatment agreement. If treatment is cancelled or delayed, any refund or treatment-related dispute must be resolved directly between the patient and the hospital or clinic. The patient’s repayment obligations to the lender remain subject to the lender’s terms.
Is my data protected?
Yes. We operate in accordance with applicable data protection requirements. For financing purposes, hospitals and clinics should only verify approvals using limited information and should not request or store bank statements, payslips, or other financial documents.
You can get in touch with one of our partner hospitals and submit your application easily through them.