As many countries have restrictions on carrying cash. We accept payment via Bank Transfer as advance payments and pay the hospitals on your behalf. The advantage of paying via Lyfboat is that we are able to process any refunds instantly either via Bank Transfer back to your account, or via cash while you are here and we can also pay for your other expenses such as flight booking/change fee, accommodation, taxi etc. The Hospitals take a longer time to process any refunds. In addition, in the event that you decide to seek treatment at another hospital, we are in a position to make the payments to any hospital whereas if you pay one hospital in advance they will only return funds to the account of the remitter and you have to initiate the transfer once again to the second hospital. This becomes difficult if you are already abroad, as well as paying transfer charges twice.