Every day, we speak to people who are stuck waiting on long HSE lists, living in pain, and unsure of what comes next. But there is another path.

Through the EU Cross Border Directive, where eligible Irish patients can travel to another EU country for surgery and have the cost reimbursed by the HSE up to the cost of the same procedure in Ireland.

And with Surgery Now, that care can happen in Spain, often in as little as 2 weeks.

But whilst the directive gives access, many people still feel blocked by one big question:

How do I pay upfront whilst waiting for my HSE refund?

That’s where Heritage Credit Union is helping change lives.

An Affordable Solution That Puts Your Health First

Our staff member Leanne recently met with Sally from Heritage Credit Union, and together they’ve been working to make surgery in Spain possible for more Irish patients not in years, but in weeks.
With 12 branches across Ireland, Heritage Credit Union offers flexible, affordable medical loans to help cover the cost of surgery upfront. That means:

  • No more waiting in pain on long lists
  • Surgery in Spain within 2 to 4 weeks or at a time to suit you.
  • Full support with travel, logistics, and paperwork
  • Reimbursement from the HSE after your treatment, up to the Irish public health cost
  • The ability to focus on healing, not financial worry

Why Choose Surgery in Spain?

Spain is more than just a location, it’s a place where Irish patients are treated with care, dignity, and respect.

Our team on the ground is there for you every step of the way from airport pickup to hospital check-in, translation support, hotel assistance, aftercare, and everything in between.

You’re never alone on this journey.

Patients often tell us how reassured and well looked after they felt not rushed, not ignored, but treated as individuals whose health and comfort truly mattered.

It’s Not Just About Money — It’s About Choice and Care

The thought of covering surgery costs upfront is understandably overwhelming. But now, with the support of Heritage Credit Union, that barrier doesn’t have to stand in your way.

You deserve to make decisions based on what’s best for your health and not your bank account.

You don’t have to spend years on a waiting list.

And you absolutely don’t have to do it alone.

Surgery Could Be Just Weeks Away — And We’re With You All the Way