How treatment finance works: you can apply through your partner hospital, clinic or agency, which emails you a secure finance application link, or apply yourself using Check your eligibility. You apply online with the finance provider, who makes the lending decision. Once approved, a Management Fee (usually 10% of the approved amount) applies: if you applied through a partner’s link, the partner may credit it against your treatment price; otherwise, your hospital or clinic may deduct all or part of it from your final treatment price – just ask your treatment coordinator whether they can apply this discount. You repay the provider in monthly instalments. Finance Health Group is a credit broker, not a lender.
At Finance Health Group, we help make international treatment access simpler, clearer, and more manageable. Through our coordination model, eligible patients may explore flexible finance options for treatment at our partner hospitals and clinics, or at a hospital or clinic of their own choice.
Finance Health Group US Limited does not provide credit directly and does not act as the lender. Where finance is available, applications are processed through authorised finance intermediaries, authorised credit brokers, or third-party finance providers, subject to eligibility, approval, and local requirements.
Choose a hospital or clinic from our partner network and confirm your treatment plan and quotation. You are free to choose where you have your treatment.
The Management Fee is set out in your finance link email before you apply; your partner hospital or clinic may apply all or part of it as a discount on your treatment price.
If your hospital or clinic is not yet an FHG partner, you can ask them to join our partner network and then apply for finance using Check your eligibility. In this case, the 10% non-refundable Management Fee is deducted and the remaining amount (usually 90%) is paid, at your request and in line with your treatment stages, to your partner hospital or to a bank account in your name; where it is paid to you, you pay your hospital or clinic directly. 💡 Tip: Your hospital or clinic may deduct all or part of the Management Fee from your final treatment price. Just ask your treatment coordinator whether they can apply this discount. The Management Fee is set out in your finance link email before you apply.
Complete the online finance application through the approved application pathway.
If your application progresses to the stage where you are invited to sign the finance agreement, this usually means that you have passed the eligibility stage and finance may be available to you, subject to the final terms of the finance provider.
Before signing your finance agreement, you should carefully check your treatment plan and final treatment quotation with your chosen hospital or clinic. This is your opportunity to confirm that the treatment details, total cost, payment structure, and any applicable terms are correct before you proceed.
Finance is subject to eligibility, approval, affordability checks, country availability, and the terms of the relevant finance provider.
If approved, the patient reviews and signs the finance agreement directly through the approved finance provider or authorised channel.
The finance agreement is separate from the medical or dental treatment agreement. Treatment is provided by the selected hospital or clinic under its own terms and conditions.
Before signing, patients should carefully review the repayment amount, repayment term, interest rate where applicable, total amount payable, cancellation rights, and all finance terms provided by the relevant finance provider.
Once the finance, administrative, and settlement steps are complete, the patient may proceed with treatment in accordance with the agreed treatment plan and the provider’s own terms.
Where applicable, any administrative component or coordination fee will be clearly disclosed before the finance or treatment process is completed.
Choosing a Finance Health Group partner hospital or clinic can make the process simpler and more cost-effective for the patient.
Patients may benefit from:
If your hospital or clinic is not yet a Finance Health Group partner, ask them to join our partner network or refer them to us and we will contact them. Once the hospital or clinic has completed our partner onboarding, you can apply for finance using Check your eligibility, and it may apply all or part of the Management Fee as a discount on your treatment price.
Content reviewed by David McKenzie, Finance Health Group Ltd (FCA FRN 915721). Last reviewed: 22 October 2026.
