Question 1

What is Hazel and how does it work?

Accepted Answer

Hazel is a healthcare-financing platform in the UAE. You apply for a financing plan in minutes at your clinic, our Lending Partner approves automatically, the clinic is paid in full immediately, and you repay in monthly installments over a term you choose.

Question 2

Who provides the financing?

Accepted Answer

Your financing is provided by our Lending Partner, Mashreq Bank, a licensed UAE bank regulated by the Central Bank of the UAE. Hazel is the technology platform that brings financing to your clinic's checkout; it does not lend or extend credit itself.

Question 3

Which clinics accept Hazel financing?

Accepted Answer

A growing network of partner clinics across the UAE accept Hazel, spanning dental, aesthetics, fertility, vision, wellness and general medical care. If your clinic isn't yet a partner, you can refer them to Hazel through our website.

Question 4

How do I apply for Hazel financing?

Accepted Answer

You apply at the clinic from your phone using your Emirates ID and a few basic details. The application takes up to 2 minutes and there's nothing to fill in advance.

Question 5

How long does the application take?

Accepted Answer

Up to 2 minutes to complete, with a decision in minutes. You'll know where you stand before you leave the clinic.

Question 6

Can I apply before my appointment?

Accepted Answer

You can check your eligibility online in advance to get a pre-qualification reference, but the full application is completed at the clinic so your treatment can be confirmed and the clinic paid directly.

Question 7

Who is eligible for Hazel financing?

Accepted Answer

Hazel is available to salaried residents of the UAE with a valid Emirates ID, a monthly salary of AED 5K or above, and an active credit history.

Question 8

What salary do I need to qualify?

Accepted Answer

You need a monthly salary of AED 5K or above. Final eligibility and your personalized rate are confirmed by our Lending Partner when you apply.

Question 9

Do I need to be a UAE national?

Accepted Answer

No. Hazel is available to salaried UAE residents, including expat residents, who meet the eligibility criteria.

Question 10

I am new to the UAE. Can I still apply?

Accepted Answer

You can apply as long as you're a salaried resident with a valid Emirates ID and an active credit history. If you're very new, eligibility depends on your individual profile, which the eligibility check will confirm in minutes.

Question 11

Is checking my eligibility a soft check?

Accepted Answer

Yes. Checking your eligibility on Hazel is a soft pre-check that gives you an indicative decision. A full credit assessment only happens later, when you complete your formal application with our Lending Partner.

Question 12

How much can I finance with Hazel?

Accepted Answer

You can finance from AED 10K up to AED 150K per plan, covering everything from a single procedure to complex, multi-stage treatment.

Question 13

What repayment terms are available?

Accepted Answer

You choose a repayment term from 2 to 48 months, with fixed monthly installments that suit your budget. The longest 48-month terms apply above AED 50K; smaller amounts run up to 36 months.

Question 14

How is my rate determined?

Accepted Answer

Your rate is personalized to your profile and confirmed by our Lending Partner on approval. It's competitive with a standard personal loan, with no arrangement or processing fee and no hidden costs.

Question 15

Can I choose my repayment date?

Accepted Answer

Yes. You can set a monthly repayment date that aligns with your salary cycle, and installments are then collected automatically by auto-debit.

Question 16

Can I finance more than one procedure?

Accepted Answer

Yes. A single plan can cover a full course of treatment, and you can also open separate plans for different procedures.

Question 17

Can I have multiple active plans?

Accepted Answer

Yes. You can hold more than one active Hazel plan at a time, subject to approval by our Lending Partner, which is useful for staged treatments or financing care for family members.

Question 18

How do I make my monthly repayments?

Accepted Answer

Repayments are collected automatically by auto-debit on your chosen date each month, so there's nothing manual for you to transfer.

Question 19

What happens if I miss a payment?

Accepted Answer

If a payment is missed, our Lending Partner will contact you to arrange it. Your clinic is unaffected. They were already paid in full at the start.

Question 20

Can I repay my plan early?

Accepted Answer

Yes. You can settle your plan early at any time through your account, which reduces the total amount you pay.

Question 21

Will I be charged for early repayment?

Accepted Answer

Any early-settlement terms are disclosed up front by our Lending Partner when you take out your plan, with no hidden fees or surprises.

Question 22

How do I get a repayment schedule?

Accepted Answer

Your full repayment schedule is available in your account as soon as your plan is approved, and a copy is sent to your email.

Question 23

How do I access my Hazel account?

Accepted Answer

You can log in to your account online to view your balance, plans, repayment schedule and details at any time.

Question 24

Can I update my personal details?

Accepted Answer

Yes. You can update your contact details and preferences directly in your account, in a few taps.

Question 25

What is the bank account that was opened during my application?

Accepted Answer

If you don't already bank with our Lending Partner, an account is opened automatically as part of your application so repayments can be managed. There's nothing extra for you to set up.

Question 26

How do I close my account?

Accepted Answer

Once any active plans are fully repaid, you can request to close your account through customer support. We'll guide you through the steps.

Question 27

Is my personal data secure with Hazel?

Accepted Answer

Yes. Your data is handled with bank-grade security and in line with UAE data-protection requirements. We only collect what's needed to assess and manage your financing.

Question 28

Who has access to my information?

Accepted Answer

Your information is shared only with our Lending Partner, a licensed UAE bank, for the purpose of assessing eligibility and managing your plan, and with your clinic to confirm your treatment. It is never sold.

Question 29

Is Hazel regulated in the UAE?

Accepted Answer

Hazel operates in the UAE, and the financing itself is provided by our Lending Partner, Mashreq Bank, a licensed UAE bank regulated by the Central Bank of the UAE. Hazel is the technology platform; it does not lend or extend credit.

Question 30

What should I do if I suspect fraud on my account?

Accepted Answer

Contact Hazel support immediately. We and our Lending Partner will help secure your account and investigate any suspicious activity.

Question 31

How does Hazel work for my clinic?

Accepted Answer

Hazel lets your clinic offer customers flexible financing at the point of care. Customers apply in minutes at your reception, our Lending Partner approves automatically, and your clinic is paid the full amount immediately, with zero repayment risk to you.

Question 32

How do I register my clinic?

Accepted Answer

Complete the short online registration form with your clinic and contact details. It takes about five minutes, and we'll get back to you as soon as possible.

Question 33

How long does onboarding take?

Accepted Answer

A Hazel team member gets you set up quickly once you register. Most clinics are ready to offer Hazel to customers shortly after.

Question 34

What specialties does Hazel support?

Accepted Answer

All of them: dental, aesthetics, fertility, vision, wellness, orthopedics, dermatology, general surgery and more.

Question 35

Is there a minimum clinic size or customer volume requirement?

Accepted Answer

No strict minimum applies. Clinics of all sizes use Hazel; our team will discuss what works best for your practice during onboarding.

Question 36

When does my clinic get paid?

Accepted Answer

Immediately upon customer approval. The full treatment amount is transferred directly to your clinic. You never wait on the customer's repayment schedule.

Question 37

Who pays my clinic?

Accepted Answer

Our Lending Partner, a licensed UAE bank, is the lender and pays your clinic directly. Hazel is the platform that makes the experience fast and simple at the point of care.

Question 38

What happens if a customer is not approved?

Accepted Answer

If a customer isn't approved, no plan is created and nothing changes for your clinic. The customer is informed instantly and can explore other options.

Question 39

What happens if a customer misses a repayment after we've been paid?

Accepted Answer

Nothing changes for you. Any missed repayment is entirely between the customer and our Lending Partner. Your clinic has already been paid in full and carries no risk.

Question 40

Are there any fees for my clinic?

Accepted Answer

There's no arrangement or processing fee to use Hazel. Any commercial terms are agreed during onboarding based on your specialty and volume, and explained transparently before you commit.

Question 41

How do customers apply, on our device or theirs?

Accepted Answer

Either works. A customer can apply from their own phone, at your reception or while they wait.

Question 42

Do we need special hardware or software?

Accepted Answer

No. The application runs in any modern browser on a device you already have: no install, no integration, no new hardware.

Question 43

How do we present Hazel to customers?

Accepted Answer

Your front-desk team simply offers Hazel as a payment option alongside the treatment estimate. We provide a short briefing during onboarding, with no technical training needed.

Question 44

Can we see which customers have active Hazel plans?

Accepted Answer

Yes. Your clinic dashboard shows every active customer plan, its approval status and the associated payout in real time.

Question 45

What if a customer wants to cancel their treatment after being approved?

Accepted Answer

Cancellations are handled case by case with our support team. Because our Lending Partner is the lender, we'll guide you and the customer through the correct process.

Question 46

Does Hazel integrate with my practice-management software?

Accepted Answer

Hazel works as a standalone application that needs no integration to get started. Where deeper integration is useful, our team can discuss options during onboarding.

Question 47

What is the minimum technical requirement to offer Hazel?

Accepted Answer

A device with a modern web browser and an internet connection. That's all your reception needs to start offering Hazel.

Question 48

Can we offer Hazel at multiple clinic locations?

Accepted Answer

Yes. Multi-location groups can offer Hazel across all sites, with dashboard visibility for each location.

Question 49

How do we track payouts and reconcile accounts?

Accepted Answer

Your dashboard shows each payout against the related approval, making month-end reconciliation straightforward.

Question 50

Is Hazel regulated in the UAE?

Accepted Answer

Hazel operates in the UAE, and the financing is provided by our Lending Partner, a bank licensed and regulated by the Central Bank of the UAE.

Question 51

What regulatory body oversees Hazel financing?

Accepted Answer

The lending is provided by our Lending Partner, a regulated bank overseen by the Central Bank of the UAE, the country's banking regulator.

Question 52

What documentation does my clinic need to register?

Accepted Answer

Typically a valid UAE trade licence and basic clinic and contact details. Our team confirms exactly what's needed during onboarding.

Question 53

How does Hazel handle customer data and privacy?

Accepted Answer

Customer data is handled with bank-grade security and in line with UAE data-protection requirements, and is used only to assess and manage financing.

Questions, answered.

Getting started

Eligibility

My financing plan

Repayments

My account

Security

Say yes to the care you need today.

Questions, answered.

Getting started

01What is Hazel and how does it work?

02Who provides the financing?

03Which clinics accept Hazel financing?

04How do I apply for Hazel financing?

05How long does the application take?

06Can I apply before my appointment?

Eligibility

01Who is eligible for Hazel financing?

02What salary do I need to qualify?

03Do I need to be a UAE national?

04I am new to the UAE. Can I still apply?

05Is checking my eligibility a soft check?

My financing plan

01How much can I finance with Hazel?

02What repayment terms are available?

03How is my rate determined?

04Can I choose my repayment date?

05Can I finance more than one procedure?

06Can I have multiple active plans?

Repayments

01How do I make my monthly repayments?

02What happens if I miss a payment?

03Can I repay my plan early?

04Will I be charged for early repayment?

05How do I get a repayment schedule?

My account

01How do I access my Hazel account?

02Can I update my personal details?

03What is the bank account that was opened during my application?

04How do I close my account?

Security

01Is my personal data secure with Hazel?

02Who has access to my information?

03Is Hazel regulated in the UAE?

04What should I do if I suspect fraud on my account?

Say yes to the care you need today.

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