Finance Health Group US Ltd
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, as detailed in the table below.
USA: Up to 36 months, maximum USD 10,000 + USD 4,000
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 , US 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: An individual acting for purposes that are wholly or mainly outside that individual’s trade, business, craft, or profession.
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 third-party financing provider, including Klarna or any other approved 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: Any independent Hospital / Clinic 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 resides.
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. 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 contribution arrangement.
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 a deposit contribution towards the selected Hospital / Clinic treatment cost.
3.8. Upon approval, 90% of the approved finance amount will be transferred directly to the Customer's designated bank account, typically within 7 working days. The remaining 10% will be applied as a non-refundable deposit towards the Customer's treatment cost at the selected Hospital / Clinic.
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 applied to Hospital / Clinic treatment cost.
3.10. By accepting these Terms and Conditions, you authorise FHG US to act as your non-exclusive treatment coordination and settlement agent for the limited purpose of settling agreed treatment charges with the selected Hospital / Clinic 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.
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 approved, an administrative service fee or deposit contribution may apply. Under our Partner Hospital arrangements, the disclosed percentage is treated as a deposit contribution towards the patient's treatment cost and deducted from the treatment price. Accordingly, where the treatment is carried out at a Partner Hospital / Clinic, this does not result in an additional cost to the patient.
7.2. By way of illustration only, based on a £1,000 approval:
A 10.00% administrative fee of £100.00 applies. The net amount available for treatment settlement is therefore £900.00. Under our partner hospital agreements, the £100.00 administrative fee is treated as a deposit contribution and deducted from the treatment price. Accordingly, the total treatment amount payable to the Hospital / Clinic remains £1,000.00, without creating an additional cost to the patient.
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 contribution may be transferred to the Customer's designated bank account, while the deducted deposit contribution shall be applied towards the selected Partner Hospital / Clinic 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. Administrative Fee / Deposit Contribution: Once a finance application is approved and the relevant Financing Agreement and service documentation are generated, processing, arrangement, lender, intermediary, and administrative costs may arise immediately. Accordingly, any cancellation or refund request may be subject to the disclosed 10% administrative fee / deposit contribution, unless a different fee has been clearly disclosed to the Customer before completion.
8.2. Customer Payout Restriction: Where the disclosed payment structure provides for a net payout to the Customer's designated bank account, such payout is made for the purpose of enabling the Customer to pay for the agreed treatment-related costs at the selected Hospital / Clinic. The Customer agrees that the finance is intended for treatment-related purposes and not as a general cash loan or unrestricted personal cash benefit.
8.3. Cancellation Before Settlement to Hospital / Clinic: If your treatment is cancelled before FHG US has settled the treatment amount to the Hospital / Clinic, FHG US may, after deduction of any applicable non-refundable charges, arrange for the remaining funds to be returned to the original funding source and/or dealt with in accordance with lender requirements and the policies of the relevant Finance Intermediary.
8.4. Cancellation After Settlement to Hospital / Clinic: If the treatment amount has already been settled to the Hospital / Clinic, any refund relating to treatment costs must be negotiated with and obtained from the relevant Hospital / Clinic / Healthcare Provider.
8.5. Refund Routing: Any refund received from the Hospital / Clinic in relation to finance-funded treatment shall first be applied, where applicable, toward reversal, reduction, or settlement of the original finance-funded amount, administrative deductions, or other outstanding transaction obligations, and shall be processed in accordance with lender requirements, intermediary procedures, and operational processes.
8.6. Unless required by law, any refund arising from a finance-funded treatment transaction shall be handled in accordance with lender requirements, intermediary procedures, and applicable regulations. Refunds shall not be paid directly to the Customer as an unrestricted cash benefit where the corresponding financing obligations remain outstanding.
8.7. 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.
8.8. Statutory Rights: Nothing in these Terms and Conditions affects any statutory rights which you may have under applicable law and which cannot lawfully be excluded or limited.
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 of the laws of the State of Delaware, USA , without prejudice to any mandatory consumer protections that may apply under applicable law.
9.4. Any dispute, controversy, proceedings, or claim arising out of or in connection with these Terms and Conditions or the relationship between you and FHG US shall be subject to the jurisdiction of the courts of the laws of the State of Delaware, USA..