Overseas Surgery Loan

Lending Bee® overseas surgery loan is designed to cover the cost of your procedure, airfare and accommodation while you’re abroad. We offer loans financing up to $300,000 SGD with longer loan tenures.

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We'll take care of everything. You just need to board the plane.

While the government has been striving to make healthcare affordable for Singaporeans, there are still certain procedures that are costlier compared to the rest of the world.

Some of us might prefer to do certain procedures overseas not only because of the reduced price tag, but also because of their expertise in that particular procedure.

For instance, many Singaporeans opt to travel to South Korea for aesthetic surgeries / procedures because their standard of surgery there is generally better.

If you are thinking of ways to fund your overseas surgery cost, Lending Bee’s overseas surgery financing might just be what you are looking for.

An overseas surgery loan is a loan specially tailored to fund the cost of your procedure / surgery. Apart from those, it can also help to cover for the cost of your air tickets, accommodation and living expenses during your time overseas.

Seek overseas medical help with a piece of mind with an overseas surgery financing from Lending Bee®.

Benefits of Overseas Surgery Financing with Lending Bee®

Our overseas surgery financing plan stands out as we provide our borrowers with a wide range of unique benefits.

Better and improved
credit scores

loan tenures

Ease of application
and approval


FAQ on Lending Bee's Overseas Surgery Financing

Frequently Asked Questions

How does overseas surgery financing work?

With overseas surgery financing, you’ll essentially be applying for a form of unsecured personal loan that covers for the cost of your overseas surgeries / procedures.

These surgeries/ procedures can easily run into the thousands. Hence, it pays to have a reliable financial institution to help you shoulder the costs.

What are some uses of overseas surgery financing?

With the help of our overseas surgery financing, you will be able to cover for the for costs including, but not limited to:

  • Surgical procedures
  • Non-surgical procedures
  • Consultation visits
  • Hospitalization costs
  • Medicine
  • Follow-up visits
  • Accommodation
  • Food
  • Transport
  • Air tickets

What makes your overseas surgery financing different from other financial institutions?

The three main differentiating factors between our overseas surgery financing compared to other financial institutions are:

  • Speed
  • Ease of application
  • Service rendered

We believe in providing you with an overseas surgery financing in the shortest time possible.

This is why we have streamlined our borrowing process into 3 simple steps.

Moreover, we do not go through rigorous credit checks and also do not require much paperwork.

Ultimately, our experienced loan officers will be there to guide you on the best overseas surgery financing package for your needs and provide professional advice so that you’ll be able to gain access to better facilities, while paying less.

Why do people opt to travel overseas for certain procedures?

1. It’s cheaper

Price is the primary reason that most of us choose to go overseas for treatment.

Some of us might now wonder if the price we pay will affect the quality of healthcare.

However, if you pick the right doctor and right country to seek medical help, then there won’t be a compromise on the quality of care.

Dental work, for example, is a major saving opportunity for patients.

2. Better service 

Along with lower costs, many individuals are grateful for the excellent service provided by foreign hospitals.

The benefits of medical care overseas are substantial when you stay in the hospital overnight.

From deluxe suits to extra rooms for family members, every effort is made to make your stay as comfortable as possible at an affordable price.

3. Quality

Some patients worry about the quality of physicians and facilities in foreign hospitals and clinics.

It is normal for many people to conclude that a lower price will reduce the quality of the product or service.

However, it is the exact opposite for a properly planned medical trip.

You can ensure that your health will be taken care of by experienced and professional practitioners every step of the way.

4. Accessibility

People who seek healthcare overseas have more access to more treatment options than those who stay home.

Along with access to advanced treatment solutions, common surgical procedures are also available.

With a properly planned trip, many surgeries can be performed within days of arrival.

5. Travel opportunities

Talk about killing two birds with one stone.

Going overseas for treatment is an opportunity to tour and experience a new environment.

You can enjoy the recovery process with a scenic view of the beach after undergoing surgery.

Family members that accompany their loved ones can also ease the stress and anxiety of a medical procedure by going shopping or relaxing at the beach.

For those who are not going through major surgery, there are even more reasons to take advantage of getting treatment in another country.

What are 3 common medical procedures that Singaporeans go overseas for and their cost?

1. Dental work

With the rising costs of several dental procedures, more people are opting to travel to other countries for dental care.

This is an effective way to get the care you need while reducing costs for major dental work like orthodontics, implants and root canals.

Even if it’s just for a regular check up which entails simple procedures such as scaling and polishing, these can easily cost over $100 in private clinics.

Thus, many Singaporeans prefer to take a short 10-minute drive across the causeway to Johor Bahru. Dental procedures there cost about half that of what you would expect to pay in Singapore.

Here’s how much you can expect to pay for the following dental procedures:

  • Scaling and Polishing: 120 MYR – 180 MYR (S$40 – S$59)
  • Root Canal: 600 MYR – 1,7000 MYR (S$196 – S$556) per tooth, 1000 MYR – 1,500 MYR (S$327 – S$429) per crown
2. Plastic surgery

Talk about plastic surgery and the first place that comes to mind would probably be Seoul, South Korea.

Singaporeans usually travel to Seoul or Bangkok for plastic surgery.

Especially for Seoul where they have the highest number of cosmetic surgery procedures per capita worldwide with reliable and experienced doctors.

More importantly, it also costs less, especially for Seoul since prices have to be kept competitive simply due to the sheer number of plastic surgery clinics available.

Here’s how much you can expect to pay for the following plastic surgery procedures:


  • Eyelid Surgery: 586,293 ₩ – 1,407,102 ₩ (S$708 – S$1,698)
  • Rhinoplasty (Nose Job): 1,172,890 ₩ – 3,166,803 ₩ (S$1,416 – S$3,821)


  • Breast augmentation: 100,000 THB – 200,000 THB (S$4,428 – S$8,855)
3. Fertility Treatment

Many patients travel to other countries to receive fertility treatment. Reasons include restrictions in their countries and the lower costs of treatment abroad.

For example, in Singapore, you can only go through In-Vitro Fertilization (IVF) if you are 45 and below.

Moreover, younger women under 40 receive subsidies from the government but if you are above 40, the cost can range between $10,000 – S$15,000 per IVF cycle.

The next common fertility procedure is egg freezing.

In Singapore, only women with medical needs such as those who are going for chemotherapy are permitted to freeze their eggs. Hence, the next best bet would be to head overseas.

Here’s how much you can expect to pay for the following fertility treatment procedures:


  • Per IVF cycle: 15,300 MYR – 21,000 MYR (S$5,025 – S$6,899)
  • Per egg freezing cycle: 15,000 MYR – 25,000 MYR (S$4,926 – S$8,210)


  • Per egg freezing cycle: 45,000 THB (S$1,993)


  • Per egg freezing cycle: 11,300 AUD (S$11,639)

What are the things to consider before applying for overseas surgery financing?

1. Type of loan required

Before you enter into any loan contract, it is important to discern between secured and unsecured loans.

  • Unsecured loans have a lower borrowing threshold. However, they do not require collateral.
  • Secured loans have a higher borrowing threshold. However, they require collateral.

2. Interest rates

Ensure that you are getting the best interest rates as they will significantly affect your monthly repayments.

Additionally, there may be hidden fees that you might be unaware of:

  • Origination fees
  • Service fees
  • Underwriting fees

Lending Bee® does not practice any of such fees. Additional fees, if any, will be made known to you before you sign your loan contract. 

3. Loan tenure

Your loan tenure will also have an impact o the cost of your total loan.

Ensure that you work with a loan tenure that is comfortable with you so that you can make comfortable repayments.

4. Your current financial situation

This is going to be the most vital factor.

Know where you currently stand in your finances so that you will be able to make better financial decisions, especially on the loan amount that you are looking to apply for.

Who is eligible for a personal loan?

To qualify for a loan with Lending Bee®, you’ll simply have to:

  • Be a Singapore Citizen, Permanent Resident or a Foreigner with a valid work permit
  • Be at least 21 old
  • Be permanently employed for at least 3 months

What documents are required to obtain overseas surgery financing?

For Singaporeans / PRs:

  • Proof of identity (NRIC, passport, etc.)
  • Proof of income (CPF / bank statements)
For Foreigners
  • Work Permit / S Pass / E Pass
  • Proof of residence (Utility bills, phone bills, tenancy agreement, etc.)
  • Payslips / bank statements

What is the application process for overseas surgery financing like?

At Lending Bee®, all applications for our overseas surgery financing are kept fast and simple.

  • Step 1: Submit your application via our online application form.
  • Step 2: We will drop you a call regarding your loan application status within the hour.
  • Step 3: Head down to your selected Lending Bee® branch, do a face-to-face verification, sign the contract and receive your loan.

How fast can I receive my loan?

We will disburse the funds to you immediately after you have accepted and signed our loan contract at any of our branches.

I have existing loans with other licensed moneylenders / Lending Bee®. Am I still eligible for a loan?

Yes, you are still welcome to apply for a loan with us!

Lending Bee® aims to help as many borrowers as possible and provide them with one of the best loan packages in the market.

We are here to serve your needs.

I have a poor credit score. Can I still apply for overseas surgery financing?

Yes, you can still apply for overseas surgery financing with us. We aim to help our borrowers regardless of their credit scores.

This is why we do not have specific restrictions with regard to credit scores.

Will I be charged if I make early repayments?

No, we do not charge any fees for early loan repayments.

Outstanding interests, if any, will also be nullified once you have finished repaying your loan earlier than the date stipulated in your loan contract.

Will my loan documents and information be mailed to my home?

No, we do not mail any of your loan information to your home.

All loan details will be kept digital, and private with us, unless a physical copy is requested.

Additional Resources on Overseas Surgery Financing

Our Latest Customer Reviews

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Virginia N R
Virginia N R
30 November 2023
Mr Soh was clearly explaining to me about the loan payment. He was very friendly and easy to converse with. Thank you! ☺️
25 November 2023
Soh is friendly and helpful, explains well
23 November 2023
Mr. Soh very professional
23 November 2023
I was serve by Dominic..
Aliff luffy
Aliff luffy
22 November 2023
Ok lah there never discriminate Malay.. very easy to get loan here if u Malay rather the go else where around here.. ? Better choose lending bee
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Deetot Mario
21 November 2023
Thank you mr soh. Fast and steady 👍🏼👍🏼
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Muhammad nuh
19 November 2023
Ms soh good service
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Coleen Ortiaga
19 November 2023
Mr. Soh is very helpful and accommodating.
19 November 2023
My agent Soh has been very nice and helpful the process was very quick and efficient i would definitely come here again
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Jae Town
18 November 2023
Good and fast service!

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