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Payment Plans and Finance

The cost of plastic surgery can be a concern for many patients. It is important for patients to have all the information about payment options to make informed decisions about funding their plastic surgery.

1. Surgery Payment Plans

Flexible payment plans are available. They allow patients to spread the cost of their surgery over time. These plans can be customised to suit individual financial situations.

    • Pre-Payment Plans: Patients can pay for their surgery in instalments before the procedure. This plan allows for gradual payments, reducing the financial burden at the time of surgery.
    • Post-Procedure Financing: Through third-party finance providers, patients can access loans specifically designed for medical procedures, enabling them to pay for their surgery over an extended period.
2. Medical Finance Options

For those who prefer structured loan options, several medical finance companies offer tailored loans for plastic surgery. These loans can cover the full cost of the procedure, including associated expenses such as consultations, hospital fees, and aftercare.

3. Credit Cards

Using a credit card is another viable option for funding plastic surgery. Some patients choose to use their credit cards due to the convenience and potential rewards programs. However, it’s important to be mindful of interest rates and ensure that repayment is manageable.

4. Superannuation

Under certain conditions, patients can access their superannuation to pay for medically necessary plastic surgery. This option is available for procedures that address significant health issues, such as breast reduction for chronic pain or reconstructive surgery after trauma. Patients must follow a strict application process through the Australian Taxation Office (ATO) to qualify.


Warnings and Considerations

While these payment and finance options can make surgery more accessible, it’s important to consider the potential financial implications and long-term impact on your financial health.

  • Interest Rates and Fees: Ensure you understand the interest rates and any additional fees associated with financing options. High interest rates can significantly increase the overall cost of the procedure.
  • Impact on Credit Score: Taking out a loan or using a credit card can impact your credit score. Ensure you have a plan to make timely payments to avoid negative effects on your credit rating.
  • Long-Term Financial Planning: Consider how the cost of surgery fits into your long-term financial plan. Avoid overextending yourself financially, as this can lead to stress and financial difficulties.

Seek Professional Advice

Before committing to any payment plan or finance option, it’s advisable to consult with a financial advisor. They can help you assess your financial situation, explore the best options, and ensure that you make a decision that aligns with your financial goals.


Disclaimer: Our practice is NOT a credit provider and does NOT receive any rebates or commissions from banks or credit suppliers. We do NOT provide financial advice. All finance and credit providers are independent, external companies. Please consider your own financial circumstances and seek professional advice when deciding if finance is suitable for you.


FAQs about Payment Plans and Finance

Can I combine different payment methods to pay for my surgery?

  • Yes, combining different payment methods is possible. For instance, you might use a portion of your savings along with a medical loan or a credit card to cover the full cost of the surgery.

How do I apply for a medical loan?

  • To apply for a medical loan, you need to fill out an application form provided by the finance company. You will typically need to provide personal and financial information, including income details and the estimated cost of your surgery. Approval times can vary, but many companies offer quick decisions.



About Dr Bish Soliman

Dr Bish Soliman - Sydney Plastic and Reconstructive Surgeon, about us 01 2x
Specialist Plastic, Reconstructive and Cosmetic Surgeon
FRACS (Plas), MS (Plas), MBBS (Hons 1), BCom

AHPRA Registered Medical Practitioner MED 0001679053 Specialist Registration in Plastic Surgery

Dr Bish Soliman is a Sydney-based Specialist Plastic and Reconstructive Surgeon who performs aesthetic surgery of the face, breast, and body as well as skin cancer surgery.

He currently holds two consultant microsurgery positions in major Sydney hospitals performing complex microsurgical reconstruction including DIEP breast reconstruction.

After graduating from The King’s School, Dr Bish completed a Bachelor of Commerce degree at the University of Sydney. After working briefly at a major Sydney finance firm, he decided to pursue his passion and long-term goal of a career in medicine. He graduated from the University of Notre Dame at the top of his class, receiving First class honours and the prestigious Bower and Sherrard medal. He then went on to complete his junior medical training at Westmead Hospital during which time he was awarded Junior Medical Officer (JMO) of the Year, as well as a finalist for NSW Doctor of the Year.


Next Steps

Do your Research

  • All Surgery has risks and potential complications. Please read the risks and complications page
  • Visit our procedure pages and Blogs to learn more about your intended procedure

Making The Most Of Your Consultation

  • Please arrive slightly early for your in-person consultation with Dr Bish
  • Take notes during the consultation and review all the documents provided
  • You are welcome to bring a friend or relative to help consider your options
  • You may need to undress for a physical exam so wear comfortable clothes

Want more information before scheduling your consultation?

  • Call us to find out more about surgery pricing and how you can pay for your surgery
  • Request more information about your procedure – call or contact us.

How to Book Your Consultation

  • A GP Medical Referral is now essential to see Dr Bish Soliman for any type of surgery.
  • You can book your consultation with Dr Bish Soliman by paying the consultation fee in advance – when you make your appointment.

Contact Dr Bish Soliman’s team

We look forward to hearing from you soon

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