Out-of-pocket costs can make healthcare unaffordable. Athena makes it easy to afford healthcare by splitting your medical bill into manageable instalments.
Access to healthcare
without the financial
burden
Split your medical bill
repayment over 3 or 6
months
Cover out-of-pocket
expenses
Cheaper than credit alternatives - We only charge an admin fee
Fill out the form on our website by clicking “Apply now”
We’ll get in touch and let you know what additional information we need
Receive and accept your repayment terms. Pay your first instalment to get covered
Get your procedure and Athena will fully settle the amount owed to your doctor
Repay Athena over 3 or 6 months
Sign up to Athena
We’ll get in touch and let you know what additional information we need
Receive and accept your repayment terms. Pay your first instalment to get covered
Get your procedure and Athena will fully settle the amount owed to your doctor
Repay Athena over 3 or 6 months
You must be 18 years or older.
You must be a South African resident with a South African ID number.
You need to have a valid debit or credit card in good standing, and a valid email address and mobile number.
Yes, you can apply for a friend, family member, parent, child, or spouse if you have a good credit record. However the account
and its payment will be under your name and responsibility
We can assist with payment plans for procedures or medical costs between R500 and R30,000, subject to your affordability.
The approval process takes 15-30 minutes after we receive your application. Our operating hours are 9 am - 5 pm on weekdays.
Applications received outside of these hours will be processed on the next working day.
For first-time users, welcome! We'll need some basic details (name, mobile number, email address, and South African ID number)
and will perform a quick automatic credit assessment to check your affordability for installment payments. If the credit assessment
is not satisfactory, we may request a 3-month bank statement to verify your income source and ensure you can meet the payment
requirements.
You need to pay the required deposit to start your subscription of monthly payments. Without this deposit, your application will not
be fully approved, and we will not cover the medical bill for which you applied.
We have partnered with Paystack, one of the most reputable global payment partners.. You will receive a payment link, alongside
where you can make payments. The safety of your payment and the protection of your personal data is our top priority.
Your application may not be accepted due to poor credit history or lack of credit history. We assess several criteria to ensure that
customers can meet payment obligations. If you don’t meet these criteria, your application will be declined. We have your best interests
at heart and want to ensure all customers can make timely payments.
Visit the link you used for your initial deposit payment and enter your details as required. Click the 'Replace Card' button to load the
Paystack checkout and enter your new card information. A small amount will be charged to authorize the new card, which will be
refunded once the authorization is complete.
If you miss a payment, a new payment link will be sent to you. Athena reserves the right to charge a 5% fee on the missed installment if payment is not made within three days after the missed payment.
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