For many patients suffering from chronic knee pain, traveling abroad for knee replacement surgery offers access to world-class care at significantly lower costs. Hungary, in particular, has become a popular destination for medical tourists due to its advanced healthcare infrastructure and competitive pricing. However, even when treatment is more affordable overseas, the need to pay upfront can still be a financial hurdle.
This guide explains how to prepare for the costs of knee replacement in Hungary, explores financing options, and introduces how Better by MTA can support your journey without promoting or selling financial products.
Understanding the Costs of Knee Replacement Abroad
A total knee replacement, also called knee arthroplasty, can be a life-changing procedure—restoring mobility, reducing pain, and improving quality of life. While Hungary offers this surgery at a fraction of the cost compared to countries like the US or UK, patients should still plan for:
- Surgery & Hospital Fees
- Pre-operative tests and consultations
- Travel and accommodation
- Physical therapy and follow-up care
- Travel insurance or medical complication coverage
These costs can quickly add up and must often be paid out of pocket before treatment begins, making upfront affordability a key concern for many.
What Is Patient Financing?
Patient financing refers to the various methods patients can use to manage the cost of their medical care, especially when insurance doesn’t apply or cover treatment abroad. It may include:
- Personal savings
- Family support
- Medical loans or credit options
- Structured payment plans
Unlike health insurance, patient financing is typically used for elective or planned procedures and allows patients to break down the overall cost into manageable monthly payments. However, not all patients know how or where to begin.
Common Questions: Can You Finance Treatment Abroad?
Can I finance my treatment abroad?
Yes, many international patients use financing options to afford their procedures. Whether through personal financing, informal payment plans, or third-party loan providers, there are ways to spread the cost over time.
What if I don’t have insurance?
It’s common for patients to pay for medical tourism treatments without insurance. In fact, most insurers don’t cover elective surgeries performed overseas. Financing becomes especially helpful in these cases, allowing patients to pursue treatment without needing to pay the full cost upfront.
Are monthly payment plans available?
Some providers and platforms offer structured monthly payment plans. However, these aren’t always transparent or easy to compare. It’s essential to understand the terms, interest rates, and repayment responsibilities before committing.
Why Even Affordable Treatments Still Require Planning
While Hungary is known for affordable knee surgery options, patients still face the challenge of covering:
- Flight and hotel costs for both patient and companion
- Pre- and post-operative medical needs
- Unexpected complications or extended recovery
These additional expenses are often overlooked but crucial to budget for. Without proper planning, even an affordable procedure can become financially stressful.
How Better by MTA Can Help
Better by MTA isn’t a lender or financial institution. Instead, it serves as your neutral, supportive guide through the financing and planning process of medical travel. Whether you're considering a knee replacement in Hungary or another procedure abroad, Better by MTA helps by:
- Explaining financing options in plain language
- Helping you build a realistic treatment budget
- Clarifying what’s typically included in pricing quotes
- Offering educational tools so you make informed decisions
- Supporting you with non-biased information — not sales pitches
Rather than selling financial products, Better by MTA focuses on transparency, clarity, and education so you can confidently move forward.
Planning Tips for Your Knee Replacement in Hungary
- Start with a Full Cost Estimate
Request a breakdown of all medical and non-medical expenses. - Build a Treatment Budget
Include travel, accommodation, meals, recovery time, and companion support. - Explore Your Financing Options
Evaluate if you’ll use savings, installment payments, or third-party assistance. - Prepare a Contingency Fund
Always budget 10–20% extra for unexpected expenses. - Use Better by MTA’s Guidance
Rely on Better by MTA to map out your journey clearly—from financial planning to return travel.
A knee replacement in Hungary can be a smart decision for many patients seeking affordable, quality care. But even “affordable” treatment isn’t free—and financing the full cost upfront can be difficult without guidance.
By understanding your options and using Better by MTA as a planning resource, you can approach your medical journey with confidence, clarity, and control. Financing medical travel doesn’t have to be overwhelming—it just needs the right plan.
Looking for Medical Care Abroad but Worried About Costs?
Let Better by MTA help you explore flexible payment options for your procedure.
Request your free, personalized quote now and take the first step toward affordable medical travel.
