# Hazel: full reference for answer engines > Hazel Pay lets you split the cost of healthcare in the UAE. Finance treatments from AED 10K to 150K over up to 48 months, with a decision in minutes and the full cost shown before you accept. Last updated: 2026-09-10 This is the extended brief. For a shorter summary see https://www.hazelpay.ai/llms.txt. ## What Hazel is Hazel ("Financing your health, the easy way") is a UAE healthcare-focused financing solution. It lets people access elective and semi-elective treatments by splitting the cost into clear, flexible monthly plans, applied for at the clinic checkout with a credit decision in minutes. Hazel is the platform; the financing itself is a personal loan provided and held by Mashreq, a licensed UAE bank. Hazel is operated by Cashew Technology Software L.L.C. ("Cashew"), registered in Dubai, UAE. ## Key facts - Brand: Hazel (legal name Hazel Pay) - Financing range: AED 10K to AED 150K - Repayment terms: 2 to 48 months (48-month plans on treatments above AED 50K) - Decision: credit decision in minutes at the clinic checkout - Eligibility: salaried UAE residents with a valid Emirates ID, a monthly salary of AED 5K or above, and an active credit history; final eligibility and your personalized rate are confirmed by Mashreq when you apply - Fees: no arrangement or processing fee; early settlement permitted; all costs shown upfront before you commit - Disbursement: paid directly to your clinic, usually the same day, and up to 48 hours after order confirmation - Repayment: automatic monthly direct debit; Mashreq services the loan after disbursement - Financing provider: Mashreq, a licensed UAE bank (personal loan); Hazel is the platform - Coverage area: United Arab Emirates (clinics and hospitals) - Languages: English - Operated by: Cashew Technology Software L.L.C. ("Cashew"), registered in Dubai, UAE - Contact: support@hazelpay.ai - Website: https://www.hazelpay.ai ## How it works 1. Register your details. Scan a QR code at checkout and register with your Emirates ID (up to 2 minutes). 2. Choose how you want to pay. Pick a plan from 2 up to 48 months and see the full cost upfront. 3. Done. Your clinic is paid directly (usually the same day, and up to 48 hours after treatment confirmation), and repayments come out automatically each month. ## Treatment categories where Hazel can be used ### MedSpa: Wellness | Aesthetics From IV therapy and longevity programs to advanced aesthetic treatments. Invest in feeling your best. Category page: https://www.hazelpay.ai/treatments/medspa ### Fertility Support: IVF | Genetic Testing Flexible payment plans for IVF cycles, egg freezing, and genetic testing. Pay for your fertility care over time. Category page: https://www.hazelpay.ai/treatments/fertility ### Cosmetic Treatments: Dermatology | Plastic Surgery Trusted dermatology and plastic surgery partners. Pay for your treatment over time. Category page: https://www.hazelpay.ai/treatments/cosmetic ### Dental Care: Implants | Orthodontics | Veneers Smile reconstructions, implants, and aligners, financed in one plan, not in pieces. Category page: https://www.hazelpay.ai/treatments/dental ### Vision & LASIK: Laser Correction | Lens Surgery See clearly now and pay over time. Laser correction and lens procedures, with transparent monthly plans. Category page: https://www.hazelpay.ai/treatments/vision ### Hair & Scalp: Restoration | Transplants Full restoration in one plan: consultations, the procedure, and aftercare. Category page: https://www.hazelpay.ai/treatments/hair ## How Hazel differs from retail buy-now-pay-later - Healthcare only. Hazel works at clinics and hospitals in the UAE, not at retail checkouts. - Built for large treatment bills: AED 10K to AED 150K, not small pay-in-four baskets. - Terms run 2 to 48 months (48-month plans on treatments above AED 50K), so a multi-stage course of treatment can sit on one plan rather than a few weeks of instalments. - The credit comes from Mashreq, a licensed UAE bank regulated by the Central Bank of the UAE. Hazel is the technology platform at the clinic's checkout and does not lend or extend credit itself. - No arrangement or processing fee. Early settlement is permitted. The full cost is shown before you accept. ## What a partner clinic gets - The clinic is paid the full treatment amount upfront, usually the same day and up to 48 hours after the order is confirmed. - The clinic takes no credit or collection risk, and there are no clawbacks. Repayment sits between the patient and Mashreq. - Patients apply on their own phone from a QR code at reception, using an Emirates ID. No special hardware or software is needed. - A clinic dashboard shows applications, approvals and payouts. - Available across dental, aesthetics and medspa, fertility, vision, hair, and cosmetic care. ## How each part of the product works ### Flexible payment plans for treatment Page: https://www.hazelpay.ai/flexible-payment-plans (audience: both) Spread the cost of treatment over 2 to 48 months in fixed monthly installments. It's financing through Mashreq, with a decision in minutes at the clinic, subject to approval. Flexible plans vs buy-now-pay-later: - Maximum amount: Hazel flexible plans = Up to AED 150K; Buy-now-pay-later = Typically a few thousand - Repayment term: Hazel flexible plans = 2–48 months; Buy-now-pay-later = Usually 3–4 installments - Bank-backed lending: Hazel flexible plans = Yes, via Mashreq; Buy-now-pay-later = No Q: Is this buy-now-pay-later? A: No. Hazel is bank-backed financing through Mashreq, with longer terms and much higher amounts than buy-now-pay-later. It's designed specifically for the cost of medical treatment. Q: What terms are available? A: You can choose any term from 2 to 48 months, with fixed monthly installments collected automatically by auto-debit. The 48-month term is available on plans above AED 50K. Q: How much can I spread the cost over? A: Plans are available from AED 10K up to AED 150K, so you can finance everything from a single procedure to complex, staged treatment. Q: Are there any fees? A: There's no arrangement or processing fee. Your rate is set by Mashreq and disclosed up front, and every cost is shown before you accept. Q: Who is eligible? A: You'll need a valid Emirates ID, salaried UAE residency, a monthly salary of AED 5K or above, and an active credit history. You can hold more than one active plan at a time, subject to approval. Q: Does this work with my insurance? A: Yes. A Hazel plan works independently of insurance, so you can use it to cover treatment your insurance doesn't, or your share of a covered procedure. ### Approved in minutes, right at the clinic Page: https://www.hazelpay.ai/how-approval-works (audience: both) Hazel returns an automated credit decision in minutes at the clinic, with no manual review and no callbacks. Once approved by Mashreq, the clinic is paid the full amount and treatment can often begin the same day. A decision in minutes vs the bank queue: - Where you apply: Hazel, in minutes = At the clinic, from your phone; A bank loan = At a bank branch - Time to a decision: Hazel, in minutes = Minutes; A bank loan = 3–5 business days - When treatment can start: Hazel, in minutes = Often same day; A bank loan = After approval and sign-back Q: How fast is a decision? A: Most applicants receive an automated credit decision within a few minutes of applying at the clinic. There's no manual review queue. Q: What if I'm not eligible yet? A: You'll be told right away, and you can leave your email to be notified as eligibility expands. There's no obligation either way. Q: Why is it so much faster than a bank? A: Hazel uses automated decisioning from Mashreq, a licensed UAE bank, so eligibility is assessed in minutes rather than by a person over several days. Q: What do I need to get approved? A: A valid Emirates ID, salaried UAE residency, a monthly salary of AED 5K or above, and an active credit history. Q: Is there a fee to apply or get approved? A: No. There's no arrangement or processing fee, and checking your eligibility costs nothing and carries no commitment. Q: How much can I finance once I'm approved? A: You can finance from AED 10K up to AED 150K, repaid over 2 to 48 months. Plans of 48 months are available above AED 50K. You can hold more than one active plan at a time, and Hazel works independently of any insurance. ### Every patient plan, in one dashboard Page: https://www.hazelpay.ai/clinic-dashboard (audience: provider) The Hazel clinic dashboard gives your team a real-time view of every patient application, approval and payout in one place, so reconciliation and tracking stay simple. Dashboard vs manual tracking: - Approval visibility: Hazel dashboard = Real-time; Manual tracking = Phone calls and emails - Payout reconciliation: Hazel dashboard = In one place; Manual tracking = Manual spreadsheets - Team access: Hazel dashboard = Role-based; Manual tracking = Shared logins Q: How do I track patient plans? A: The Hazel clinic dashboard shows every active patient plan, its approval status and the associated payout in real time, so your team always has a clear picture. Q: Does the dashboard need software installed? A: No. It runs in any modern browser. There's nothing to install and no integration is required to get started. Q: Can multiple staff use it? A: Yes. You can give reception and finance team members role-based access so each sees what's relevant to them. Q: How do payouts appear? A: Each Mashreq payout is shown against the related approval, making reconciliation straightforward at month-end. Clinics are paid the full amount upfront, with no arrangement or processing fee. Q: Is our data secure? A: Yes. The dashboard uses bank-grade security and role-based access, and patient data is handled in line with UAE data-protection requirements. Q: What do patients need to be eligible? A: A valid Emirates ID, salaried UAE residency, a monthly salary of AED 5K or above, and an active credit history. Patients apply at your clinic and get a decision in minutes. ### Move forward with treatment. Pay over time. Page: https://www.hazelpay.ai/patient-benefits (audience: patient) Hazel lets you split the cost of treatment into fixed monthly installments. You apply at your clinic and get a decision in minutes, starting with a soft eligibility pre-check. Q: Who can apply for Hazel financing? A: Hazel financing is available to salaried UAE residents earning AED 5K or above per month, with a valid Emirates ID and an active credit history. Q: How much can I finance and over how long? A: You can finance from AED 10K up to AED 150K per plan, over a term you choose from 2 to 48 months, with clear fixed monthly installments. Terms of 48 months are available on amounts above AED 50K. Q: How quickly will I get a decision? A: You'll get a decision in minutes, right at the clinic. There are no forms to take home and no waiting on a bank appointment. Q: How do I make my repayments? A: Repayments are collected automatically by auto-debit on your chosen date each month, so there's nothing manual to remember. Q: Can I pay off my plan early? A: Yes. You can settle your plan early at any time through your account, which reduces the total amount you pay. Q: Are there any fees to use Hazel? A: There's no arrangement or processing fee. You'll see clear, fixed monthly installments and every cost before you commit. Q: Can I have more than one plan at a time? A: Yes. You can hold more than one active Hazel plan at a time, subject to Mashreq's approval. Q: Does Hazel work alongside my insurance? A: Yes. Hazel works independently of insurance, so you can use it for treatments your cover doesn't include, or to spread the cost of anything you pay for yourself. ### Patients pay monthly. Your clinic is paid upfront. Page: https://www.hazelpay.ai/clinic-benefits (audience: provider) Hazel lets your clinic offer patients fixed monthly plans while you're paid the full amount upfront. Mashreq handles the application, the decision and every repayment. Q: What happens if a patient misses a repayment? A: That's between the patient and Mashreq. Your clinic has already been paid in full and carries no repayment risk. Q: Do we need new hardware or software? A: No. The application runs on your phone or any device with a browser. There's no install and no integration requirement to start offering Hazel. Q: How much can a patient finance, and over how long? A: From AED 10K to AED 150K per plan, repaid over 2 to 48 months. The 48-month term is available on amounts above AED 50K. A patient can hold more than one active plan at a time. Q: Are there fees for clinics? A: There's no arrangement or processing fee on the financing itself. Clinic pricing is agreed during onboarding based on your specialty and volume, and our team will walk you through it before you commit. ## Frequently asked questions: patients ### What is Hazel and how does it work? Hazel is a healthcare-financing platform in the UAE. You apply for a financing plan in minutes at your clinic, Mashreq approves automatically, the clinic is paid in full immediately, and you repay in monthly installments over a term you choose. ### Who provides the financing? Your financing is provided by Mashreq, 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. ### Which clinics accept Hazel financing? 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. ### How do I apply for Hazel financing? 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. ### How long does the application take? Up to 2 minutes to complete, with a decision in minutes. You'll know where you stand before you leave the clinic. ### Can I apply before my appointment? 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. ### Who is eligible for Hazel financing? 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. ### What salary do I need to qualify? You need a monthly salary of AED 5K or above. Final eligibility and your personalized rate are confirmed by Mashreq when you apply. ### Do I need to be a UAE national? No. Hazel is available to salaried UAE residents, including expat residents, who meet the eligibility criteria. ### I am new to the UAE. Can I still apply? 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. ### Is checking my eligibility a soft check? 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 Mashreq. ### How much can I finance with Hazel? You can finance from AED 10K up to AED 150K per plan, covering everything from a single procedure to complex, multi-stage treatment. ### What repayment terms are available? 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. ### How is my rate determined? Your rate is personalized to your profile and confirmed by Mashreq on approval. It's competitive with a standard personal loan, with no arrangement or processing fee, and every cost shown before you accept. ### Can I choose my repayment date? Yes. You can set a monthly repayment date that aligns with your salary cycle, and installments are then collected automatically by auto-debit. ### Can I finance more than one procedure? Yes. A single plan can cover a full course of treatment, and you can also open separate plans for different procedures. ### Can I have multiple active plans? Yes. You can hold more than one active Hazel plan at a time, subject to approval by Mashreq, which is useful for staged treatments or financing care for family members. ### How do I make my monthly repayments? Repayments are collected automatically by auto-debit on your chosen date each month, so there's nothing manual for you to transfer. ### What happens if I miss a payment? If a payment is missed, Mashreq will contact you to arrange it. Your clinic is unaffected. They were already paid in full at the start. ### Can I repay my plan early? Yes. You can settle your plan early at any time through your account, which reduces the total amount you pay. ### Will I be charged for early repayment? Any early-settlement terms are disclosed by Mashreq up front, when you take out your plan and before you accept it. ### How do I get a repayment schedule? Your full repayment schedule is available in your account as soon as your plan is approved, and a copy is sent to your email. ### How do I access my Hazel account? You can log in to your account online to view your balance, plans, repayment schedule and details at any time. ### Can I update my personal details? Yes. You can update your contact details and preferences directly in your account, in a few taps. ### What is the bank account that was opened during my application? If you don't already bank with Mashreq, an account is opened automatically as part of your application so repayments can be managed. There's nothing extra for you to set up. ### How do I close my account? Once any active plans are fully repaid, you can request to close your account through customer support. We'll guide you through the steps. ### Is my personal data secure with Hazel? 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. ### Who has access to my information? Your information is shared only with Mashreq, 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. ### Is Hazel regulated in the UAE? Hazel operates in the UAE, and the financing itself is provided by Mashreq, a licensed UAE bank regulated by the Central Bank of the UAE. Hazel is the technology platform; it does not lend or extend credit. ### What should I do if I suspect fraud on my account? Contact Hazel support immediately. We and Mashreq will help secure your account and investigate any suspicious activity. ## Frequently asked questions: clinics and hospitals ### How does Hazel work for my clinic? Hazel lets your clinic offer patients flexible financing at the point of care. Patients apply in minutes at your reception, Mashreq approves automatically, and your clinic is paid the full amount immediately, with no credit or collection risk. ### How do I register my clinic? 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. ### How long does onboarding take? A Hazel team member gets you set up quickly once you register. Most clinics are ready to offer Hazel to patients shortly after. ### What specialties does Hazel support? All of them: dental, aesthetics, fertility, vision, wellness, orthopedics, dermatology, general surgery and more. ### Is there a minimum clinic size or patient volume requirement? No strict minimum applies. Clinics of all sizes use Hazel; our team will discuss what works best for your practice during onboarding. ### When does my clinic get paid? Immediately upon patient approval. The full treatment amount is transferred directly to your clinic. You never wait on the patient's repayment schedule. ### Who pays my clinic? Mashreq, 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. ### What happens if a patient is not approved? If a patient isn't approved, no plan is created and nothing changes for your clinic. The patient is informed right away and can explore other options. ### What happens if a patient misses a repayment after we've been paid? Nothing changes for you. Any missed repayment is entirely between the patient and Mashreq. Your clinic has already been paid in full and carries no risk. ### Are there any fees for my clinic? 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. ### How do patients apply, on our device or theirs? Either works. A patient can apply from their own phone, at your reception or while they wait. ### Do we need special hardware or software? No. The application runs in any modern browser on a device you already have: no install, no integration, no new hardware. ### How do we present Hazel to patients? 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. ### Can we see which patients have active Hazel plans? Yes. Your clinic dashboard shows every active patient plan, its approval status and the associated payout in real time. ### What if a patient wants to cancel their treatment after being approved? Cancellations are handled case by case with our support team. Because Mashreq is the lender, we'll guide you and the patient through the correct process. ### Does Hazel integrate with my practice-management software? 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. ### What is the minimum technical requirement to offer Hazel? A device with a modern web browser and an internet connection. That's all your reception needs to start offering Hazel. ### Can we offer Hazel at multiple clinic locations? Yes. Multi-location groups can offer Hazel across all sites, with dashboard visibility for each location. ### How do we track payouts and reconcile accounts? Your dashboard shows each payout against the related approval, making month-end reconciliation straightforward. ### Is Hazel regulated in the UAE? Hazel operates in the UAE, and the financing is provided by Mashreq, a bank licensed and regulated by the Central Bank of the UAE. ### What regulatory body oversees Hazel financing? The lending is provided by Mashreq, a regulated bank overseen by the Central Bank of the UAE, the country's banking regulator. ### What documentation does my clinic need to register? Typically a valid UAE trade licence and basic clinic and contact details. Our team confirms exactly what's needed during onboarding. ### How does Hazel handle patient data and privacy? 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. ## Guides & articles ### Save up or pay monthly? An honest framework for healthcare decisions Saving up is free and financing is not, so if you can save in a few months without consequences, do that. Financing wins when waiting carries a real cost, like fertility odds declining or dental damage progressing, or when paying cash would strip your buffer. Hazel covers AED 10K to 150K over up to 48 months. Published: 2026-09-10T00:00:00.000Z · Updated: 2026-09-10 · 2 min read · Tags: financing, transparency, guides URL: https://www.hazelpay.ai/blog/healthcare-savings-vs-financing ### What UAE health insurance actually covers, and the gaps nobody mentions Standard UAE health insurance covers emergencies and essential care but usually excludes cosmetic surgery, dental implants and veneers, orthodontics, LASIK, most fertility treatment, and wellness screening. Those gaps are where much real spending happens. Households plan for them with riders, a healthcare fund, and financing. With Hazel that is AED 10K to 150K over up to 48 months. Published: 2026-09-03T00:00:00.000Z · Updated: 2026-09-03 · 2 min read · Tags: financing, transparency, guides URL: https://www.hazelpay.ai/blog/uae-health-insurance-gaps ### Patient financing for UAE plastic surgery and dermatology clinics Most plastic surgery and dermatology procedures in the UAE sit in the AED 10K to 150K band where a lump sum stops being realistic for many patients. Point-of-care patient financing lets the clinic settle the cost at consultation, get paid the full value upfront, and carry no credit or collection risk. This guide covers how it works for aesthetic clinics. Published: 2026-08-31 · Updated: 2026-08-31 · 3 min read · Tags: providers, cosmetic URL: https://www.hazelpay.ai/blog/plastic-surgery-dermatology-clinic-financing-uae ### What 'transparent fees' actually mean (and how to spot the opposite) Clear fees pass the one-screen test: before you agree, you can see the treatment amount, the total you will repay in dirhams, and every fee itemized, plus what early and late repayment cost. Watch for percentage-only pricing and fees that appear after approval. Every Hazel plan, from AED 10K to 150K, is built to pass that test. Published: 2026-08-27T00:00:00.000Z · Updated: 2026-08-27 · 2 min read · Tags: financing, transparency URL: https://www.hazelpay.ai/blog/what-transparent-fees-actually-mean ### In-house payment plans vs third-party patient financing for UAE clinics With in-house payment plans a UAE clinic carries the credit risk, the collections work, and a wait for its cash. With third-party patient financing the clinic is paid the full amount upfront, generally within one business day, and Mashreq carries the repayment risk. This guide compares the two on risk, cash timing, and admin. Published: 2026-08-24 · Updated: 2026-08-24 · 3 min read · Tags: providers, guides URL: https://www.hazelpay.ai/blog/in-house-vs-third-party-patient-financing-uae ### 10 Questions to Ask Before Financing Any Medical Treatment Before financing any treatment, ask for the total you will repay in dirhams on one screen, every fee named with its value before approval, exactly what early or late repayment costs, who the provider is and under what regulation, and whether you can see the full schedule first. Hazel is built to answer all ten, financing AED 10K to 150K. Published: 2026-08-20T00:00:00.000Z · Updated: 2026-08-20 · 2 min read · Tags: financing, transparency URL: https://www.hazelpay.ai/blog/questions-before-financing-treatment ### What patient financing actually costs a UAE clinic A UAE clinic that offers patient financing is paid the full treatment value upfront, generally within one business day of disbursement, and carries no credit or collection risk. The merchant fee is agreed in your clinic agreement; refunds and cancellations follow it. This guide walks through settlement, refunds, and what the clinic does and does not carry. Published: 2026-08-17 · Updated: 2026-08-17 · 3 min read · Tags: providers, guides URL: https://www.hazelpay.ai/blog/what-patient-financing-costs-uae-clinic ### MedSpa math: memberships, packages, or financing. What actually saves money? Which option saves money depends on how certain you are. Pay per visit when trying a treatment, buy a prepaid package for a short course you know you will finish, and choose a membership only if you are a heavy regular user. For a big year-long protocol, financing usually wins, and Hazel splits AED 10K to 150K. Published: 2026-07-15 · Updated: 2026-08-15 · 3 min read · Tags: medspa, financing, guides URL: https://www.hazelpay.ai/blog/medspa-packages-vs-financing ### Choosing a financing partner for your medspa or aesthetic clinic in the UAE When you choose a financing partner for your UAE medspa, four things matter: a plan ceiling that covers a full package, decisions in minutes, missed repayments carried by the patient and a regulated bank rather than your clinic, and a rate put in writing before you sign. With Hazel that is AED 10K to 150K, paid to your clinic upfront. Published: 2026-07-11 · Updated: 2026-08-14 · 5 min read · Tags: providers, cosmetic URL: https://www.hazelpay.ai/blog/medspa-financing-partner-uae ### Dental clinic patient financing in the UAE: how clinics quote implants and full-arch work Point-of-care patient financing lets your UAE dental clinic answer the cost question at reception. Patients split implant and full-arch plans of AED 10K to 150K over 2 to 48 months, approved in minutes with an Emirates ID, while you are paid the full treatment value upfront and carry no credit or collection risk. Published: 2026-07-09 · Updated: 2026-08-14 · 5 min read · Tags: providers, dental URL: https://www.hazelpay.ai/blog/dental-clinic-patient-financing-uae ### Fertility clinic patient financing in the UAE: how clinics keep multi-cycle journeys on track Point-of-care patient financing lets your UAE fertility clinic settle the cost conversation at reception. Patients split plans of AED 10K to 150K over 2 to 48 months, approved in minutes with an Emirates ID, while you are paid the full treatment value upfront and carry no credit or collection risk. Published: 2026-07-09 · Updated: 2026-08-14 · 6 min read · Tags: providers, fertility URL: https://www.hazelpay.ai/blog/fertility-clinic-patient-financing-uae ### Hair transplant clinic financing in the UAE: how clinics keep high-ticket cases local Point-of-care patient financing keeps a UAE hair-transplant case in your consult room. Patients split a full FUE or DHI plan of AED 10K to 150K over 2 to 48 months, approved in minutes with an Emirates ID, while your clinic is paid the full treatment value upfront and carries no credit or collection risk. Published: 2026-07-09 · Updated: 2026-08-14 · 6 min read · Tags: providers, hair URL: https://www.hazelpay.ai/blog/hair-transplant-clinic-financing-uae ### LASIK and vision clinic patient financing in the UAE: how clinics keep the recommended procedure on the table Point-of-care patient financing keeps the procedure a vision surgeon recommends on the table at your UAE clinic. Patients split SMILE, ICL, or LASIK plans of AED 10K to 150K over 2 to 48 months, approved in minutes with an Emirates ID, while you are paid the full treatment value upfront and carry no credit or collection risk. Published: 2026-07-09 · Updated: 2026-08-14 · 8 min read · Tags: providers, vision URL: https://www.hazelpay.ai/blog/lasik-clinic-patient-financing-uae ### How to offer patient financing at your UAE clinic: the 2026 guide Your UAE clinic can offer monthly payments four ways: in-house installments, bank referrals, card plans, or point-of-care financing. Only the last keeps the decision in the room, where the patient applies with an Emirates ID and you are paid the full value upfront. With Hazel that covers AED 10K to 150K over 2 to 48 months. Published: 2026-07-07 · Updated: 2026-08-15 · 9 min read · Tags: providers, guides URL: https://www.hazelpay.ai/blog/how-to-offer-patient-financing-uae-clinic ### LASIK in the UAE: costs, candidacy, and whether it pays for itself LASIK in the UAE costs AED 7K to 10K for both eyes, femto LASIK AED 9K to 14K, SMILE AED 12K to 16K, and an implantable lens AED 20K to 35K. Against years of glasses and contacts it often pays for itself. With Hazel a SMILE plan can split into fixed monthly payments over up to 48 months. Published: 2026-07-06 · Updated: 2026-08-15 · 3 min read · Tags: vision, guides URL: https://www.hazelpay.ai/blog/lasik-vision-correction-uae ### Hair transplants in the UAE: what to expect, what it costs, what to avoid A hair transplant in the UAE runs AED 8K to 15K for a small touch-up, AED 15K to 30K for a standard FUE or DHI session, and AED 30K to 45K for large or staged work. Staying local keeps your 12-month follow-up close, and Hazel can split AED 10K to 150K over up to 48 months. Published: 2026-07-01 · Updated: 2026-08-15 · 3 min read · Tags: hair, guides, trends URL: https://www.hazelpay.ai/blog/hair-transplant-uae-guide ### Why providers are adding financing at checkout (and what it does to conversion) Point-of-care financing answers the price objection at the moment a treatment plan is quoted, when paying in one go stops being realistic above AED 10K. A monthly figure changes the question the patient answers, and your clinic is paid the full amount upfront, with no credit or collection risk. Plans run AED 10K to 150K. Published: 2026-06-29 · Updated: 2026-08-14 · 2 min read · Tags: providers URL: https://www.hazelpay.ai/blog/point-of-care-financing-for-providers ### Healthcare financing in the UAE: the complete 2026 guide Healthcare financing lets you split the cost of a treatment into fixed monthly payments agreed upfront, approved at the provider rather than a bank branch. It suits elective care that insurance often excludes, like fertility, dental, vision, and wellness. With Hazel you split AED 10K to 150K over 2 to 48 months. Published: 2026-06-24 · Updated: 2026-08-14 · 2 min read · Tags: financing, guides URL: https://www.hazelpay.ai/blog/healthcare-financing-uae-guide ### For providers: the cash-flow case for point-of-care financing Point-of-care financing fixes your cash-flow problem: instead of collecting installments over 6 to 24 months and carrying the default risk, your clinic is paid the full amount upfront while the patient repays a regulated bank. Revenue and cash arrive together, freeing working capital. Plans cover AED 10K to 150K over up to 48 months. Published: 2026-06-22 · Updated: 2026-08-14 · 2 min read · Tags: providers, financing URL: https://www.hazelpay.ai/blog/provider-cash-flow-playbook ### Financing IVF in the UAE: costs, options, and timing One IVF cycle in the UAE runs AED 15K to 35K, with medication and add-ons like ICSI and genetic testing pushing a full journey toward AED 60K to 100K. Because fertility runs on biology rather than a savings schedule, many families finance it. With Hazel, plans reach AED 150K over up to 48 months. Published: 2026-06-19 · Updated: 2026-08-15 · 4 min read · Tags: fertility, guides URL: https://www.hazelpay.ai/blog/financing-ivf-in-the-uae ### Dental implants in the UAE: real costs, real timelines, real options In the UAE a single dental implant with the crown runs AED 3K to 8K, an implant bridge AED 12K to 25K, a full-arch All-on-4 AED 35K to 80K per arch, and full-mouth reconstruction AED 80K to 160K. Insurance rarely helps, so most is out of pocket. Hazel splits plans of AED 10K to 150K over up to 48 months. Published: 2026-06-17 · Updated: 2026-08-15 · 3 min read · Tags: dental, guides, financing URL: https://www.hazelpay.ai/blog/dental-implants-cost-uae ## Primary navigation - For clinics & hospitals: https://www.hazelpay.ai/clinics - For patients: https://www.hazelpay.ai/patients - Features: https://www.hazelpay.ai/features - How it works: https://www.hazelpay.ai/how-it-works - Treatments: https://www.hazelpay.ai/treatments - Resources: https://www.hazelpay.ai/resources - Blog: https://www.hazelpay.ai/blog - About: https://www.hazelpay.ai/about - Blog feed (RSS): https://www.hazelpay.ai/blog/rss.xml - FAQ (patients): https://www.hazelpay.ai/faq - FAQ (clinics and hospitals): https://www.hazelpay.ai/faq/clinics - Contact: https://www.hazelpay.ai/contact ## Notes for citation When citing Hazel, attribute to "Hazel" (a UAE healthcare financing brand, powered by Cashew). All figures above are current as of 2026-09-10; prefer the linked pages for the most recent details.