Last updated: 24 October 2026
Please read these Terms and Conditions carefully before you apply. When you accept them, they form a legally binding agreement between you and us. We are a credit broker, not a lender. The finance provider alone decides whether to approve your finance application and on what terms.
These Terms and Conditions apply to repayment terms ranging from 30 days to 36 months, depending on the applicant’s country of residence and the relevant finance provider’s criteria.
Finance limits, repayment terms and the finance providers available depend on your country of residence and are set by the finance provider. Current details are shown on our Eligible Countries page. The finance provider alone decides whether to approve your application and on what terms.
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. These Terms are provided by Finance Health Group Ltd (company no. 10616565), a credit broker authorised and regulated by the Financial Conduct Authority (FRN 915721), 37th Floor, 1 Canada Square, Canary Wharf, London E14 5AA, for applications from residents of the United Kingdom and all other eligible countries outside the United States, including Canada, Australia and New Zealand; and by Finance Health Group US Limited (“FHG US”, FCA FRN 1053894), a Delaware corporation and an Appointed Representative of Finance Health Group Ltd, 131 Continental Dr, Suite 305, Newark, DE 19713, United States, for applications from residents of the United States. In these Terms, “FHG”, “we” and “us” mean whichever of these companies handles your application. FHG is a credit broker, not a lender. Contact: 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. You can also apply directly through our website without a referral from a hospital or clinic. After you submit your details, we email you a secure finance link with your finance amount already filled in. You complete your application on the finance provider’s secure page, and the finance provider makes the credit decision. Checking your eligibility on our website is not a credit check.
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.
1.7. Our finance providers and how we are paid. We work with a limited number of finance providers. Which of them are available to you depends on your country of residence, as shown on our Eligible Countries page. We do not search the whole market and we are not independent. We do not receive any commission or other payment from these finance providers for introducing you to them. We are paid through the Management Fee described in clause 7.
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 Limited, 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 “Management Fee” means the disclosed percentage of the approved finance amount, usually 10%, which is deducted before the net payout is made. 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 net payout and the Management Fee. The Customer acknowledges that the Management Fee covers third-party provider charges, finance facilitation, processing, coordination and administrative costs incurred in connection with the approved finance. Once the lender has approved your finance and you have signed the Finance Agreement, the Management Fee is non-refundable, whether or not the payout has been made, including if you cancel your treatment or ask for a refund. Whether the Management Fee is credited against your treatment price depends on how you applied, as set out in clauses 7.2 and 7.6.
3.7. FHG US shall administer such funds in accordance with the payment structure disclosed to the Customer before completion: the net payout is paid, at the Customer’s request and in line with the treatment stages, to the selected partner Hospital / Clinic or to the Customer’s designated bank account, and the Management Fee is treated as set out in clause 7.
3.8. Upon approval and acceptance of the finance, the Management Fee, usually 10%, is deducted and the remaining amount, usually 90%, is paid, at the Customer’s request and in line with the treatment stages, to the selected partner Hospital / Clinic or to a bank account in the Customer’s name. The Customer then pays the selected Hospital / Clinic or Partner Agency directly. Whether all, part or none of the Management Fee is credited against the treatment price is set out in clause 7.2 (applications through a Partner link) and clause 7.6 (applications through our website).
3.9. The approved funds are received by FHG and the net payout is made as set out in clause 3.8; the Management Fee is treated as set out in clause 7.
3.10. By accepting these Terms and Conditions, you authorise FHG US to administer the disclosed payment structure on your behalf, including any arrangement under clause 7.2 with the Partner Hospital / Clinic or Partner Agency that sent you your finance link.
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. This may include payment processors such as Stripe, which host the secure checkout page.
4.4. When you apply, we keep a record of the information shown to you (including the Management Fee and the amount to be paid out), the confirmations you tick and a copy of the emails we send you. We use these records to administer your application, handle complaints and meet our regulatory obligations.
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 coordinates the settlement of treatment charges with the selected partner Hospital / Clinic.
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 Management Fee, usually 10% of the approved finance amount, will be deducted before the net payout is made.
7.2. Applications through a Partner link. If you apply through a finance link sent to you by an FHG Partner Hospital / Clinic or Partner Agency, the Partner may apply all or part of the Management Fee as a discount on your treatment price, in line with the quotation and arrangement it has agreed with you. Where your quotation states that the Management Fee is credited in full, the Partner shall not request any additional treatment payment from you solely because the Management Fee has been deducted.
Example (Partner link, fee credited in full):
If the approved finance amount is £1,000, a 10% Management Fee of £100 is deducted and £900 is paid, at your request, to your partner hospital or to you. You pay £900 to the Partner, which treats it, together with the £100 Management Fee, as payment for the full £1,000 treatment package.
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 remaining after deduction of the disclosed Management Fee is paid, at the Customer’s request and in line with the treatment stages, to the selected partner Hospital / Clinic or to the Customer’s designated bank account. The Management Fee is treated as set out in clause 7.2 or clause 7.6, depending on how you applied.
7.5. Standard processing is typically completed within 5 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.
7.6. Applications through our website. (a) You can apply through our website for treatment at any partner hospital or clinic, or before you have chosen one. You state your chosen hospital or clinic in your application. (b) If your finance is approved, the Management Fee (usually 10% of the approved amount) 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. You pay your hospital or clinic directly. (c) The Management Fee is retained by FHG. Your hospital/clinic may apply all or part of the Management Fee as a discount on your treatment price; you can speak to your hospital/clinic treatment coordinator. Any such credit is a decision of your hospital or clinic alone and is not guaranteed by FHG. (d) The Management Fee and the amount to be paid out are set out in your finance link email before you complete your finance application. The Management Fee, the amount to be paid out and the expected payment date are set out again in your approval email. (e) Where the payment is to be made to you, you give us your bank details through the secure link in your approval email. We will never ask for your bank details by email or phone. (f) If you name a hospital or clinic in your application, we do not show or send you details of any other partner hospital or clinic.
8.1. Management 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.
If you live in the United Kingdom and you do not enter into a finance agreement within six months of our introduction, you are entitled under section 155 of the Consumer Credit Act 1974 to a refund of any credit broking fee you have paid us, less £5. Because the Management Fee is only deducted from an approved finance amount, it is not charged if your finance is not approved.
When the lender has approved your finance and you have signed the Finance Agreement online, the disclosed Management Fee, usually 10% of the approved finance amount, is deducted from the approved amount. Whether it is credited against your treatment price depends on how you applied (clauses 7.2 and 7.6).
The remaining net amount, usually 90% of the approved finance amount, 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 your bank account, you then pay this net amount directly to your selected Hospital / Clinic or Partner Agency.
Once the lender has approved your finance and you have signed the Finance Agreement, the Management Fee is non-refundable, whether or not the payout has been made, including if you cancel your treatment, change the selected Hospital / Clinic or ask for a refund. This is because third-party processing, arrangement, intermediary, coordination, and administrative costs may already have been incurred. If you cancel before the payout has been made, the remaining amount (usually 90%) is returned to the finance provider rather than paid out, and is dealt with under your Finance Agreement.
Where you applied through a Partner link and the treatment is carried out at that Partner under the agreed quotation, clause 7.2 applies.
8.2. Use of Net Payout
The net payout is intended to be used for the agreed treatment-related costs at the selected Hospital / Clinic or Partner Agency. The net payout may only be used for the agreed treatment at the selected partner Hospital / Clinic or Partner Agency.
8.3. Refunds from your 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 Hospital / Clinic or Partner Agency. Where the selected Hospital / Clinic or Partner Agency agrees to issue a refund, such refund shall normally be paid directly by the selected 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. Change of Hospital / Clinic after Approval
If you applied through a Partner link and change to a different partner hospital, clinic or agency after the lender has approved your finance and you have signed the Finance Agreement, the Management Fee will not be credited against the treatment price of the new provider. It is retained by FHG as a finance facilitation, processing, coordination and administrative fee and is non-refundable. For applications through our website, the Management Fee is retained by FHG in all cases (clause 7.6(c)). 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.
10.1. If you are unhappy with our service, please contact us at info@financehealthgroup.com or write to our registered office. We will acknowledge your complaint promptly and send our final response within 8 weeks. If you are not satisfied with our final response, or we have not responded within 8 weeks, you may be able to refer your complaint free of charge to the Financial Ombudsman Service (www.financial-ombudsman.org.uk, 0800 023 4567) within six months of our final response. Complaints about your finance agreement should be made to your lender, and complaints about your treatment to your hospital or clinic. Full details are on our Complaints page.
