Payment Plans and Medical Finance

Does the Practice Offer Payment Plans?

No. Dr Georgina Konrat's practice does not offer payment plans, in-house financing, or instalment arrangements. The full fee is paid before the procedure date.

This page exists because the answer is often assumed to be yes. Payment plans are widely advertised across cosmetic medicine in Australia, and it is entirely reasonable to arrive expecting them to be standard. They are not offered here, and it is better to know that early than to find out after a consultation.

Payment timing, any deposit, and the cancellation and rescheduling terms are all confirmed in writing as part of the personalised quote provided after your consultation, so there is nothing to work out on the day.

Why the Practice Takes This Position

Cosmetic procedures are elective. Nothing about them is urgent, and the decision is meant to be made slowly. A mandatory cooling-off period applies before any procedure is booked, precisely so that the decision is not made in a single sitting.

Spreading the cost over time works against that. It lowers the apparent commitment at the moment of deciding, which makes it easier to agree to something before you are ready. The fee is the same either way; what changes is how large the decision feels while you are making it.

There is a regulatory dimension too. AHPRA has raised concerns about how medical finance is promoted in the cosmetic sector, and the advertising rules that took effect on 2 September 2025 restrict how practices may use financial arrangements in their advertising. The practice's view is that finance should sit outside the clinical conversation entirely, rather than being something a patient is guided toward.

Third-Party Medical Finance

Third-party providers offering loans for medical and cosmetic procedures do operate in Australia, and they are easily found through an ordinary online search. Whether to use one is your decision.

The practice does not recommend, endorse or arrange any particular provider, and holds no commercial arrangement with any of them. No referral is made and no commission is received. Any agreement you enter into is between you and that provider.

What to Check Before You Sign

If you are considering a finance product, these are the things worth reading closely. None of them are unusual questions to ask, and a reputable provider will answer all of them plainly.

• The total amount repayable, not the weekly or monthly figure. This is the single most useful number and it is often the least prominent. A low repayment usually reflects a longer term rather than a cheaper loan. Ask what you will have paid in total by the end.
• The interest rate and any establishment or account-keeping fees. Both add to the total. Some products advertise an interest-free period that reverts to a high rate once it ends, sometimes applied retrospectively to the original balance.
• What happens if the procedure is postponed or cancelled. Elective procedures get rescheduled for ordinary medical reasons, including reasons that have nothing to do with you changing your mind. Find out whether the loan remains payable regardless.
• Whether it is a regulated credit contract. Some arrangements are consumer leases or buy-now-pay-later products, which sit under different rules and carry different protections to a regulated loan.
• What happens if you miss a repayment. Check the default fees and whether missed repayments are reported to a credit bureau.

A broader point worth keeping in mind while you compare practices: a practice that leads with affordability rather than clinical suitability is telling you something about its priorities. Finance prominence is one of the signals discussed in how to choose a cosmetic doctor in Sydney.

Finance Is Not a Substitute for a Rebate

These two questions get run together and they are separate. Dr Georgina Konrat is a cosmetic doctor, and no Medicare rebates are applicable through her practice. Private health insurance generally does not cover cosmetic procedures either.

Borrowing does not change that position. It changes when the fee is paid, not what the fee is, and the total will be higher once interest and fees are included. The rebate question should be settled first, on its own terms. For the full position, see cosmetic surgery cost in Sydney.

Planning for an Elective Procedure

Because these procedures are elective, the practice recommends that patients are in sound financial standing before proceeding. That is not a requirement and nobody is asked to demonstrate it. It is simply the position from which the decision is easiest to make well: on clinical grounds, at your own pace, without a repayment schedule shaping the timing.

If the fee is not workable right now, waiting is a legitimate option and costs nothing. The procedure will still be available later, and the consultation is the right place to talk through timing.

Next Steps

A personalised written quote, itemising practitioner, anaesthetist and facility fees, is provided after your consultation, along with payment timing and the cancellation terms. To arrange an appointment, book online or contact the practice directly.