Please read these Terms and Conditions carefully. As we may accept your instalment payment plan, credit card payment plan, or finance request and enter into a legally binding agreement without further reference to you, it is essential that you read these Terms and Conditions to ensure that they contain everything you require and nothing with which you are not satisfied.
These Terms and Conditions apply to repayment terms ranging from 3 to 36 months, depending on the applicant’s country of residence and the relevant finance provider’s criteria.
USA: Up to 36 months, maximum USD 10,000
Germany: Up to 24 months, maximum EUR 10,000
United Kingdom :: Up to 24 months, maximum GBP 5,000
Austria: Up to 36 months, maximum EUR 5,000
Sweden: Up to 36 months, maximum SEK 100,000
Norway: Up to 36 months, maximum NOK 75,000
Denmark: Up to 3 months, maximum DKK 50,000
Finland: Up to 36 months, maximum EUR 3,000
Netherlands: Up to 3 months, maximum EUR 4,000
Poland: Up to 3 months, maximum PLN 5,000
Romania: Up to 3 months, maximum RON 5,000
Spain / Italy / France / Belgium / Ireland: Up to 3 months, maximum EUR 1,500
Czech Republic: Up to 3 months, maximum CZK 25,000
Greece / Portugal: Up to 3 months, maximum EUR 1,000
Financing limits, instalment terms, approval criteria, repayment amounts, and settlement procedures may vary depending on the policies of the relevant financing provider and the applicant’s credit profile.
1.1. These Terms and Conditions apply to the provision of international treatment coordination, referral facilitation, treatment fee settlement, and related administrative services in connection with healthcare services, including medical and dental treatments.
1.2. The principal service provider under these Terms and Conditions is Finance Health Group US Ltd (“FHG US”), with its registered address at 131 Continental Dr, Suite 305, Newark, DE 19713 , United States and email address info@financehealthgroup.com.
1.3. FHG US acts as an International Treatment Coordination and Referral Agency for patients seeking treatment from independent overseas hospitals and clinics.
1.4. Where finance is available, finance applications may be facilitated through an authorised UK credit broker, an authorised finance intermediary within our group structure, and/or an authorised third-party lending or finance partner, subject to eligibility, credit approval, and local requirements. Full legal and regulatory details of the relevant finance intermediary and/or lender will be provided before any finance application is submitted.
1.5. By clicking “I Accept”, signing electronically, submitting an application through our website or portal, or otherwise confirming your acceptance, you enter into a legally binding agreement with FHG US for the services described in these Terms and Conditions.
1.6. You may only use these services if you are legally capable of entering into a contract and are at least 18 years of age.
2.1. Consumer / Customer / You: The individual applying for finance-supported treatment services under these Terms and Conditions.
2.2. Contract: The legally binding agreement between you and FHG US under these Terms and Conditions.
2.3. FHG US: Finance Health Group US Ltd, the entity responsible for international treatment coordination, referral support, and settlement of treatment-related charges to the selected Hospital / Clinic.
2.4. Finance Intermediary: Any authorised UK, US, or EU credit broker, authorised finance intermediary, or authorised finance partner involved in facilitating your finance application.
2.5. Lender: Any approved third-party finance provider with whom you may enter into a Financing Agreement.
2.6. Financing Agreement: The separate agreement entered into directly between you and the relevant Lender.
2.7. Hospital / Clinic / Healthcare Provider: The independent medical, dental, surgical, or other healthcare provider selected by you for your treatment.
2.8. Partner Hospital / Clinic or Partner Agency: Any independent hospital, clinic, healthcare provider, medical tourism agency, or partner agency with which FHG US and/or its affiliates may have a coordination, referral, or administrative arrangement. The existence of such arrangement does not constitute a clinical guarantee, endorsement, or warranty.
2.9. Services: The non-clinical services provided by FHG US, including international treatment coordination, referral facilitation, administrative support, communication with the selected Hospital / Clinic, and settlement of treatment-related charges, together with any finance application facilitation carried out by a relevant authorised Finance Intermediary.
2.10. Location: The country from which the Customer submits the application or in which the Customer is habitually resident.
2.11. Durable Medium: Paper, email, or any other medium that allows information to be addressed personally to the recipient, enables the recipient to store that information for future reference, and permits the unchanged reproduction of that information.
2.12. Privacy Policy: The terms setting out how confidential and personal information received from you via email, website, portal, or any other communication channel is processed by FHG US and, where applicable, by relevant finance intermediaries, lenders, hospitals, clinics, and service partners involved in your treatment journey or finance application.
2.13. Website: Our official website, including without limitation www.financehealthgroup.com, and any related portal or application interface used for treatment coordination, finance applications, or settlement administration.
3.1. FHG US provides non-clinical international treatment coordination and referral services to assist patients who wish to receive treatment from overseas Hospitals / Clinics.
3.2. FHG US may assist you in identifying, introducing, coordinating with, and administratively supporting one or more overseas Hospitals / Clinics, whether from its network or otherwise selected by you.
3.3. FHG US does not provide the underlying medical, dental, surgical, or other healthcare treatment itself.
3.4. Where finance is offered, the Financing Agreement is made directly between you and the relevant Lender. FHG US is not the lender.
3.5. Any regulated credit brokerage or finance introduction carried out in connection with a finance application shall be undertaken by the relevant authorised Finance Intermediary.
3.6. For the purposes of these Terms and Conditions, the “Deposit Fee” means the disclosed percentage of the approved finance amount, usually 10%, which is deducted before the net payout is transferred to the Customer. The Deposit Fee is applied towards the Customer’s quoted treatment package at the selected Partner Hospital / Clinic and is non-refundable once the finance has been approved and accepted and the payment process has been completed. If your finance application is approved, the approved funds may be received through the relevant Finance Intermediary and/or FHG US for the purpose of administering the agreed treatment-related payment structure, including any applicable customer payout and/or Deposit Fee arrangement. The Customer acknowledges that the Deposit Fee may be used to cover third-party provider charges, finance facilitation, processing, coordination, and administrative costs incurred in connection with the approved finance and treatment payment structure. Accordingly, once the finance has been approved and accepted and the payment process has been completed, the Deposit Fee shall act as an administrative fee and is normally non-refundable.
3.7. FHG US shall administer such funds in accordance with the payment structure disclosed to the Customer before completion, which may include transfer of a net payout amount to the Customer's designated bank account and application of the Deposit Fee towards the selected Partner Hospital / Clinic or Partner Agency treatment cost.
3.8. Upon approval and acceptance of the finance, 10% will usually be deducted as a Deposit Fee and applied towards the Customer’s quoted treatment package at the selected Partner Hospital / Clinic or Partner Agency. The remaining 90% of the approved finance amount will usually be transferred directly to the Customer’s designated bank account. The Customer will then pay the net amount received directly to the selected Partner Hospital / Clinic or Partner Agency. The selected Partner Hospital / Clinic or Partner Agency will treat the net amount paid by the Customer, together with the Deposit Fee applied under these Terms and Conditions, as payment towards the full finance-supported treatment package originally quoted.
3.9. The intended payment flow under this model is: Lender / Finance Provider → Authorised Finance Intermediary → FHG US → 90% to Customer’s bank account + 10% Deposit Fee applied towards the selected Partner Hospital / Clinic or Partner Agency treatment package.
3.10. By accepting these Terms and Conditions, you authorise FHG US to administer the disclosed treatment-related payment structure with the selected Partner Hospital / Clinic or Partner Agency on your behalf.
4.1. All personal data is retained and processed in accordance with our Privacy Policy and all applicable data protection and privacy laws, including, where applicable, relevant U.S. federal and state privacy laws, the UK GDPR, and other applicable laws relating to the protection and transfer of personal data. Where personal data is transferred internationally, including to the United States, appropriate transfer mechanisms will be used where required, as further explained in our Privacy Policy.
4.2. You expressly agree that FHG US may contact you by email, telephone, SMS, WhatsApp, or other electronic communication methods regarding your application, treatment coordination, scheduling, documentation, finance-related administration, and settlement of treatment charges.
4.3. You consent to the sharing of relevant information between FHG US and, where necessary, the relevant Finance Intermediary, Lender, Hospital / Clinic / Healthcare Provider, and service partners to the extent reasonably necessary for finance processing, treatment coordination, settlement administration, compliance, fraud prevention, and customer support.
5.1. Once the Financing Agreement has been approved, and once the administrative and settlement steps have been completed or confirmed, you may proceed to schedule or confirm your appointment with your selected Hospital / Clinic.
5.2. FHG US may coordinate with the selected Hospital / Clinic regarding scheduling, documentation, and settlement of treatment charges, but FHG US does not control the clinical availability, scheduling policies, or medical decisions of the Hospital / Clinic.
5.3. Any appointment, treatment date, surgery date, postponement, cancellation, or rescheduling remains subject to the Hospital / Clinic’s own operational and clinical procedures.
5.4. The treatment contract is always separate from this Contract and from any Financing Agreement. The contract for medical, dental, surgical, or other healthcare treatment is entered into directly between you and your selected Hospital / Clinic / Healthcare Provider.
6.1. FHG US acts solely as an International Treatment Coordination and Referral Agency and as the settlement entity for approved treatment-related funds under this model.
6.2. FHG US is not the lender, the treating doctor, the hospital, the clinic, or the healthcare provider.
6.3. FHG US does not provide medical advice, dental advice, diagnosis, treatment planning, clinical recommendations, or clinical supervision.
6.4. The choice of Hospital / Clinic / Healthcare Provider is ultimately your own decision.
6.5. The fact that financing, referral support, coordination support, or settlement services are made available does not amount to a clinical recommendation, medical endorsement, guarantee of outcome, or warranty of quality.
6.6. FHG US does not assume responsibility or liability for any healthcare services, medical treatments, dental procedures, operations, aftercare, travel arrangements, accommodation, visas, flights, or treatment outcomes in any country or location.
6.7. FHG US is not responsible for the conduct, acts, omissions, negligence, clinical standards, professional approach, or service quality of any Hospital / Clinic / Healthcare Provider, doctor, nurse, employee, or staff member involved in your treatment.
6.8. We strongly recommend that you conduct your own due diligence before proceeding with any Hospital / Clinic / Healthcare Provider, including by reviewing independent sources such as patient reviews, online ratings, testimonials, and relevant professional or regulatory registrations where available.
6.9. Before proceeding with any healthcare service, you must ensure that you have read and fully understood all informed consent documentation, treatment plans, pricing information, exclusions, risks, and possible complications relating to your proposed treatment.
6.10. We strongly recommend that you seek an independent second opinion from a suitably qualified medical or dental professional before making any final treatment decision.
7.1. Once finance is approved and accepted, a disclosed Deposit Fee, usually 10% of the approved finance amount, will be deducted before the net payout is transferred to the Customer.
7.2. The Deposit Fee is applied towards the Customer’s quoted treatment package at the selected Partner Hospital / Clinic or Partner Agency. Where the treatment is carried out at that Partner Hospital / Clinic, the Partner Hospital / Clinic shall not request any additional treatment surcharge from the Customer solely because the Deposit Fee has been deducted.
Example:
If the approved finance amount is £1,000, a 10% Deposit Fee of £100 is deducted. The net amount paid to the Customer is £900. The Customer pays £900 directly to the selected Partner Hospital / Clinic or Partner Agency, and the £100 Deposit Fee is applied towards the quoted treatment package. The Customer therefore receives the full £1,000 finance-supported treatment package, provided that the treatment is carried out at the selected Partner Hospital / Clinic under the agreed quotation.
7.3. Any applicable fee, deduction, processing charge, or coordination fee will be disclosed to you before final settlement of funds.
7.4. The net payout amount available after deduction of the disclosed Deposit Fee may be transferred to the Customer’s designated bank account, while the deducted Deposit Fee shall be applied towards the selected Partner Hospital / Clinic or Partner Agency treatment cost, in accordance with the disclosed payment structure.
7.5. Standard processing is typically completed within 7 working days after approval and completion of the required documentation, subject to lender, intermediary, compliance, banking, verification, country, and currency procedures. Processing times may vary.
8.1. Deposit Fee, Cancellation and Refund Policy
Nothing in these Terms and Conditions affects any statutory cancellation, withdrawal, refund, or consumer rights which cannot lawfully be excluded or limited.
When your finance is approved, you sign the Finance Agreement online, and the payment processing begins, the disclosed Deposit Fee, usually 10% of the approved finance amount, is applied towards your agreed treatment package and deducted from the treatment price.
The remaining net amount, usually 90% of the approved finance amount, may be transferred directly to your designated bank account. You then pay this net amount directly to the selected Partner Hospital / Clinic or Partner Agency.
If you cancel the treatment, change the selected Hospital / Clinic, or use the net finance amount with a different provider after the finance has been approved, the Finance Agreement has been signed online, and payment processing has begun, the Deposit Fee is normally non-refundable. This is because third-party processing, arrangement, intermediary, coordination, and administrative costs may already have been incurred.
Where the treatment is carried out at the selected Partner Hospital / Clinic or Partner Agency under the agreed quotation, the selected Partner Hospital / Clinic or Partner Agency shall treat the net amount paid by you, together with the Deposit Fee applied under these Terms and Conditions, as payment towards the full agreed treatment package.
The selected Partner Hospital / Clinic or Partner Agency should not request any additional treatment payment from you solely because the Deposit Fee has been applied.
8.2. Use of Net Payout
The net payout transferred to the Customer is intended to be used for the agreed treatment-related costs at the selected Partner Hospital / Clinic or Partner Agency. If the Customer uses the net payout elsewhere after payment processing has begun, the Deposit Fee is normally non-refundable, as further explained in Clause 8.6.
8.3. Refunds from the Partner Hospital / Clinic or Partner Agency
Any refund relating to the treatment price, treatment cancellation, treatment change, or treatment dispute shall be handled directly between the Customer and the selected Partner Hospital / Clinic or Partner Agency. Where the selected Partner Hospital / Clinic or Partner Agency agrees to issue a refund, such refund shall normally be paid directly by the selected Partner Hospital / Clinic or Partner Agency to the Customer. The Customer remains responsible for their separate Finance Agreement with the relevant Lender or finance provider. If the Customer receives a refund, the Customer may choose to use that refund to repay or settle their outstanding finance balance early, subject to the terms and conditions of the relevant Lender or finance provider.
8.4. Finance Agreement Remains Separate
Any treatment refund paid to the Customer does not automatically cancel or settle the Customer’s separate Finance Agreement with the relevant Lender or finance provider. The Customer remains responsible for any outstanding repayment obligations unless and until the finance balance is repaid, settled, or otherwise dealt with in accordance with the relevant Finance Agreement.
8.5. Change of Treatment Date / Plan / Provider: You may request to change your treatment date, treatment plan, or Hospital / Clinic, subject to operational feasibility, hospital acceptance, lender requirements, and any applicable additional fees.
8.6. Use of Funds with a Different Provider
The Deposit Fee is applied towards the Customer’s agreed treatment package only where the treatment is carried out at the selected Partner Hospital / Clinic under the disclosed payment structure.If the Customer chooses to use the net payout amount at a different hospital, clinic, agency, or provider outside the selected Partner Hospital / Clinic after the finance has been approved, the Finance Agreement has been signed online, and payment processing has begun, the Deposit Fee will not be transferred to, credited against, or applied towards the treatment price of the new provider.In such circumstances, the Deposit Fee shall be retained by FHG as a finance facilitation, processing, coordination, and administrative fee, and it will normally be non-refundable. This does not affect any statutory rights which cannot lawfully be excluded or limited.
9. Compliance, Governing Law and Jurisdiction
9.1. We reserve the right to request identity documents, proof of address, treatment quotations, medical travel information, and any other documentation reasonably required for compliance, anti-fraud, anti-money laundering, sanctions screening, or transaction verification purposes.
9.2. We may delay, suspend, reject, or cancel any finance-related administration, transfer, settlement, referral, or coordination activity where:
the information provided by you is incomplete, inaccurate, misleading, or inconsistent;
we are unable to verify your identity or transaction details;
we have reason to suspect fraud, illegality, sanctions exposure, misuse of funds, or breach of lender policy;
the selected Hospital / Clinic fails or refuses to accept the relevant payment structure; or
we are required to do so by law, regulation, court order, lender instruction, intermediary requirement, or internal compliance policy.
9.3.These Terms and Conditions, and the relationship between you and FHG US, shall be governed by and construed in accordance with the laws of England and Wales. If you are a consumer resident outside England and Wales, you may also benefit from any mandatory consumer protections of the country in which you are habitually resident, and nothing in these Terms and Conditions deprives you of those protections.
9.4. Any dispute or claim arising out of or in connection with these Terms and Conditions shall be subject to the non-exclusive jurisdiction of the courts of England and Wales. If you are a consumer, you may also bring proceedings in the courts of the country in which you are habitually resident where applicable mandatory consumer protection laws allow this.