For patients around the world, India has become a top destination for orthopedic surgery, offering world-class care at significantly lower costs than many Western countries. Procedures like total knee replacement, hip resurfacing, and spinal decompression can be performed at a fraction of the price—but for many international patients, even affordable care still presents one major obstacle: how to pay for it.
This guide breaks down the realities of medical travel financing, what options exist for patients without insurance, and how Better by MTA serves as a supportive, trustworthy resource to help you prepare with confidence.
Why Costs Still Matter—Even in Affordable Countries
India is widely recognized for its cost-effective healthcare. A major orthopedic procedure in India might cost 50–80% less than in the US, UK, or Australia. Still, patients must cover expenses upfront and in full, often including:
- Preoperative consultations and imaging
- Surgical fees and implants
- Hospital stays
- Post-op rehabilitation
- Travel and accommodation
- Visa and documentation expenses
Even a “budget-friendly” surgery can total several thousand dollars. That’s where patient financing comes into play.
What Is Medical Travel Financing?
Medical travel financing refers to any financial support system—such as loans, credit arrangements, or payment plans—that helps international patients afford treatment abroad. In simple terms, it’s a way to spread out the cost of your care so you’re not burdened by a large upfront payment.
However, navigating this space can be confusing, especially across borders, currencies, and healthcare systems.
Can I Finance My Orthopedic Treatment Abroad?
Yes, many patients can finance their treatment abroad, even without traditional insurance coverage. Some may use personal savings or credit cards, while others explore more structured options like monthly installment plans or medical loans through specialized providers.
But not every patient qualifies for third-party loans or lines of credit. That's why Better by MTA doesn’t sell or promote financial products—instead, we act as a neutral guide, helping you understand:
- What financing options might be available based on your situation
- How much your orthopedic procedure might realistically cost
- How to budget for travel, recovery, and follow-up care
- What documents or pre-approvals you may need
What If I Don’t Have Insurance?
Not having insurance doesn’t mean you're out of options. In fact, many medical travelers choose India because treatment is affordable enough to pay out-of-pocket with proper planning.
Better by MTA supports uninsured patients by offering:
- Budgeting guidance: Know what to expect from initial inquiry to recovery.
- Transparent cost comparisons: Understand what’s included and what’s not.
- Travel planning assistance: Factor in accommodations, transportation, and companion needs.
- Supportive education: Avoid surprise expenses with clear, honest information.
You are not alone—hundreds of uninsured patients receive life-changing orthopedic care in India each year by making informed, well-planned decisions.
Are Monthly Payment Plans Available?
In some cases, monthly payment plans are possible—but they depend on your credit profile, residency, and the type of provider you choose. While Better by MTA does not offer or arrange financing directly, we help patients evaluate all possible options, such as:
- Payment schedules arranged with providers (if available)
- International or home-country loan options
- Budgeting strategies for short-term savings
- Leveraging medical travel for bundled care savings
Our role is to simplify your journey, not pressure you into a one-size-fits-all plan.
Why Better by MTA?
At Better by MTA, we believe medical travel should feel empowering, not overwhelming. That’s why we focus on:
- Clarity: Transparent guidance about expected costs, financing considerations, and realistic timelines
- Support: One-on-one help for patients from the first step through post-treatment
- Education: No sales pitches, no hidden fees—just information that helps you make confident decisions
Whether you're pursuing a total knee replacement or complex spinal fusion, we’re here to help you navigate the financial side of medical travel with peace of mind.
Choosing orthopedic surgery abroad—especially in a cost-effective destination like India—can transform your quality of life. But planning ahead financially is key to ensuring a smooth and stress-free journey.
Better by MTA stands with you, offering honest, educational guidance for understanding your options, managing costs, and pursuing care on your terms.
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.
