Document:

<PAGE>

                                                              EXHIBIT 10.31

                      FIFTH AMENDMENT TO CREDIT AGREEMENT

     THIS FIFTH AMENDMENT TO CREDIT AGREEMENT (this "AMENDMENT"), dated as of
December 15, 1999, is by and among INSIGHT HEALTH SERVICES CORP. (the
"BORROWER"), the subsidiaries of the Borrower identified on the signature
pages hereto (the "GUARANTORS"), the several lenders identified on the
signature pages hereto (each a "LENDER" and, collectively, the "LENDERS") and
BANK OF AMERICA, N.A., formerly NationsBank, N.A., as agent for the Lenders
(in such capacity, the "AGENT"). Capitalized terms used herein which are not
defined herein and which are defined in the Credit Agreement shall have the
same meanings as therein defined.

                            W I T N E S S E T H

     WHEREAS, the Borrower, the Guarantors, the Lenders and the Agent entered
into that certain Credit Agreement dated as of October 14, 1997, as amended by
that First Amendment to Credit Agreement dated as of November 17, 1997, as
amended by that Second Amendment to Credit Agreement dated as of December 19,
1997, as amended by that Third Amendment to Credit Agreement dated as of March
23, 1998 and as amended by that Fourth Amendment and Restatement of Credit
Agreement dated as of June 12, 1998 (as so amended, the "EXISTING CREDIT
AGREEMENT");

     WHEREAS, the Borrower and the Guarantors have requested that certain
provisions of the Existing Credit Agreement be amended; and

     WHEREAS, the parties have agreed to amend the Existing Credit Agreement
as set forth herein.

     NOW, THEREFORE, in consideration of the agreements hereinafter set forth,
and for other good and valuable consideration, the receipt and adequacy of
which are hereby acknowledged, the parties hereto agree as follows:

                                  PART 1
                               DEFINITIONS

     SUBPART 1.1 CERTAIN DEFINITIONS. Unless otherwise defined herein or the
context otherwise requires, the following terms used in this Amendment,
including its preamble and recitals, have the following meanings:

         "AMENDED CREDIT AGREEMENT" means the Existing Credit Agreement as
     amended hereby.

         "AMENDMENT NO. 5 EFFECTIVE DATE" is defined in SUBPART 3.1.

     SUBPART 1.2 OTHER DEFINITIONS. Unless otherwise defined herein or the
context otherwise requires, terms used in this Amendment, including its
preamble and recitals, have the meanings provided in the Amended Credit
Agreement.

                                      -1-

<PAGE>

                                   PART 2
                   AMENDMENTS TO EXISTING CREDIT AGREEMENT

     Effective on (and subject to the occurrence of) the Amendment No. 5
Effective Date, the Existing Credit Agreement is hereby amended in accordance
with this PART 2. Except as so amended, the Existing Credit Agreement and all
other Credit Documents shall continue in full force and effect.

     SUBPART 2.1 AMENDMENTS TO SECTION 1.1. The following new definition is
hereby added to Section 1.1 of the Existing Credit Agreement in the
appropriate alphabetical order to read as follows:

         "GE FINANCED MACHINERY" means the magnetic resonance and other
     diagnostic imaging equipment financed by GE as Capital Leases, which
     equipment is more fully described on SCHEDULE 8.1(c)(iv) hereto.

     SUBPART 2.2 AMENDMENTS TO SECTION 8.1(c). Section 8.1(c) of the Existing
Credit Agreement is amended in its entirety to read as follows:

     8.1 INDEBTEDNESS.

         The Credit Parties will not permit any Consolidated Party to
     contract, create, incur, assume or permit to exist any Indebtedness,
     except:

                                 ************

              (c)(i) purchase money Indebtedness (including Capital Leases and
         Synthetic Leases) hereafter incurred by the Borrower or any of its
         Subsidiaries which is not a Joint Venture other than Open MRI or
         Central Coast to finance the purchase of fixed assets PROVIDED that
         (A) the total of all such Indebtedness for all such Persons taken
         together shall not exceed an aggregate principal amount of
         $10,000,000 (excluding any such Indebtedness of the Borrower or any
         of its Subsidiaries other than Open MRI or Central Coast referred to
         in subsection (b) above) at any one time outstanding; (B) such
         Indebtedness when incurred shall not exceed the purchase price of the
         asset(s) financed; and (C) no such Indebtedness shall be refinanced
         for a principal amount in excess of the principal balance outstanding
         thereon at the time of such refinancing;

              (ii)   purchase money Indebtedness (including Capital Leases and
         Synthetic Leases) hereafter incurred by Open MRI to finance the
         purchase of fixed assets PROVIDED that (A) the total outstanding
         principal of all such Indebtedness (including any such Indebtedness
         of Open MRI referred to in subsection (b) above), taken together with
         the aggregate original equipment cost of all Property leased by Open
         MRI under Operating Leases, shall not exceed at any time an aggregate

                                      -2-

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              principal amount of $20,000,000; (B) such Indebtedness when
              incurred shall not exceed the purchase price of the asset(s)
              financed; and (C) no such Indebtedness shall be refinanced for a
              principal amount in excess of the principal balance outstanding
              thereon at the time of such refinancing;

                  (iii)  purchase money Indebtedness (including Capital Leases
              and Synthetic Leases) hereafter incurred by Central Coast to
              finance the purchase of fixed assets PROVIDED that (A) the total
              outstanding principal of all such Indebtedness shall not exceed
              at any time an aggregate principal amount of $6,000,000
              (including any such Indebtedness of Central Coast referred to in
              subsection (b) above); (B) such Indebtedness when incurred shall
              not exceed the purchase price of the asset(s) financed; and (C)
              no such Indebtedness shall be refinanced for a principal amount
              in excess of the principal balance outstanding thereon at the
              time of such refinancing;

                  (iv)   obligations of the Credit Parties (other than Open
              MRI) arising under Capital Leases with respect to the GE
              Financed Machinery; PROVIDED that (A) the total outstanding
              principal of all such Indebtedness shall not exceed at any time
              an aggregate principal amount of $57,300,000; (B) such
              Indebtedness when incurred shall not exceed the purchase price
              of the asset(s) financed; and (C) no such Indebtedness shall be
              refinanced for a principal amount in excess of the principal
              balance outstanding thereon at the time of such refinancing;

       SUBPART 2.3  AMENDMENTS TO SECTION 8.14.  Section 8.14 of the Existing
Credit Agreement is hereby amended in its entirety to read as follows:

       8.14   CAPITAL EXPENDITURES.

       The Credit Parties will not permit Consolidated Capital Expenditures to
exceed $35,000,000 per fiscal year; PROVIDED, HOWEVER, notwithstanding any
provision of this Credit Agreement to the contrary, any Consolidated Capital
Expenditures attributable to Indebtedness incurred by the Credit Parties in
accordance with Section 8.1(c)(iv) shall be excluded from the limitations set
forth in this Section 8.14.

       SUBPART 2.4  AMENDMENTS TO SECTION 8.16(a).  Section 8.16(a) of the
Existing Credit Agreement is hereby amended in its entirety to read as follows:

       8.16   OPERATING LEASE OBLIGATIONS.

       (a)    The Credit Parties will not permit the aggregate obligations of
the Consolidated Parties other than Open MRI which are not Joint Ventures for
the payment of rental under Operating Leases (other than in respect of
Operating Leases existing as of the Closing Date and described in SCHEDULE
8.16 (and renewals, refinancings and extensions thereof)) for any fiscal year
to exceed at any time an aggregate amount of $2,500,000.

                                   - 3 -

<PAGE>

       SUBPART 2.5  NEW SCHEDULE 8.1(c)(iv).  A new SCHEDULE 8.1(c)(iv) in the
form of SCHEDULE 8.1(c)(iv) attached hereto is hereby added to the Existing
Credit Agreement.

                                    PART 3
                         CONDITIONS TO EFFECTIVENESS

       SUBPART 3.1  AMENDMENT NO. 5 EFFECTIVE DATE.  This Amendment shall be
and become effective as of the date hereof (the "AMENDMENT NO. 5 EFFECTIVE
DATE") when all of the conditions set forth in this PART 3 shall have been
satisfied, and thereafter this Amendment shall be known, and may be referred
to, as "AMENDMENT NO. 5."

       SUBPART 3.2  EXECUTION OF COUNTERPARTS OF AMENDMENT.  The Agent shall
have received counterparts (or other evidence of execution, including
telephonic message, satisfactory to the Agent) of this Amendment, which
collectively shall have been duly executed on behalf of each of the Borrower,
the Guarantors and the Required Lenders.

       SUBPART 3.3  AMENDMENT FEE.  The Agent shall have received for the
account of each Lender approving this Amendment an amendment fee equal to
0.10% of each such Lender's Commitment.

       SUBPART 3.4  SUBORDINATED NOTE INDENTURE.  If the transactions
contemplated in the Amended Credit Agreement are prohibited by the
Subordinated Note Indenture (as in effect immediately prior to the Amendment
No. 5 Effective Date), the Subordinated Note Indenture shall have been amended
in a manner satisfactory to the Agent so as to permit such transactions. The
Agent shall have received executed copies of any such amendments and consents
to the Subordinated Note Indenture.

       SUBPART 3.5  OTHER ITEMS.  The Agent shall have received such other
documents, agreements or information which may be reasonably requested by the
Agent.

                                   - 4 -

<PAGE>

                                     PART 4
                                  MISCELLANEOUS

    SUBPART 4.1 REPRESENTATIONS AND WARRANTIES. Borrower hereby represents
and warrants to the Agent and the Lenders that, after giving effect to this
Amendment, (a) no Default or Event of Default exists under the Credit Agreement
or any of the other Credit Documents and (b) the representations and
warranties set forth in Section 6 of the Existing Credit Agreement are,
subject to the limitations set forth therein, true and correct in all
material respects as of the date hereof (except for those which expressly
relate to an earlier date).

    SUBPART 4.2 REAFFIRMATION OF CREDIT PARTY OBLIGATIONS. Each Credit Party
hereby ratifies the Credit Agreement acknowledges and reaffirms (i) that it
is bound by all terms of the Credit Agreement and (ii) that it is responsible
for the observance and full performance of the Credit Party Obligations.

    SUBPART 4.3 CROSS-REFERENCES. References in this Amendment to any Part or
Subpart are, unless otherwise specified, to such Part or Subpart of this
Amendment.

    SUBPART 4.4 INSTRUMENT PURSUANT TO EXISTING CREDIT AGREEMENT. This
Amendment is a Credit Document executed pursuant to the Existing Credit
Agreement and shall (unless otherwise expressly indicated therein) be
construed, administered and applied in accordance with the terms and
provisions of the Existing Credit Agreement.

    SUBPART 4.5 REFERENCES IN OTHER CREDIT DOCUMENTS. At such time as this
Amendment No. 5 shall become effective pursuant to the terms of SUBPART 3.1,
all references in the Credit Documents to the "Credit Agreement" shall be
deemed to refer to the Credit Agreement as amended by this Amendment No. 5.

    SUBPART 4.6 COUNTERPARTS. This Amendment may be executed by the parties
hereto in several counterparts, each of which shall be deemed to be an
original and all of which shall constitute together but one and the same
agreement.

    SUBPART 4.7 GOVERNING LAW. THIS AMENDMENT SHALL BE DEEMED TO BE A
CONTRACT MADE UNDER AND GOVERNED BY THE INTERNAL LAWS OF THE STATE OF NEW YORK.

    SUBPART 4.8 SUCCESSORS AND ASSIGNS. This Amendment shall be binding upon
and inure to the benefit of the parties thereto and their respective
successors and assigns.

       [The remainder of this page has been left blank intentionally]

                                   - 5 -
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    IN WITNESS WHEREOF the parties hereto have caused this Amendment to be
duly executed on the date first above written.

BORROWER:                       INSIGHT HEALTH SERVICES CORP.
--------

                                By:  /s/ Thomas V. Croal
                                   -----------------------------
                                Name: Thomas V. Croal
                                Title: Executive Vice President,
                                       Chief Financial Officer

GUARANTORS:                     INSIGHT HEALTH CORP.
----------                      RADIOLOGY SERVICES CORP.
                                OPEN MRI, INC.
                                MAXUM HEALTH CORP.
                                RADIOSURGERY CENTERS, INC.
                                MTS ENTERPRISES, INC.
                                QUEST FINANCIAL SERVICES, INC.
                                MAXUM HEALTH SERVICES CORP.
                                DIAGNOSTIC SOLUTIONS CORP.
                                MAXUM HEALTH SERVICES
                                   OF NORTH TEXAS, INC.
                                MAXUM HEALTH SERVICES
                                   OF ARLINGTON, INC.
                                MAXUM HEALTH SERVICES
                                   OF DALLAS, INC.
                                NDDC, INC.
                                SIGNAL MEDICAL SERVICES, INC.
                                MISSISSIPPI MOBILE TECHNOLOGY, INC.

                                By:  /s/ Thomas V. Croal
                                   -----------------------------
                                Name: Thomas V. Croal
                                Title: Executive Vice President,
                                       Chief Financial Officer

                                [Signatures Continue]

<PAGE>

LENDERS:                           BANK OF AMERICA, N.A. formerly NationsBank,
                                   N.A., individually in its capacity as a
                                   Lender and in its capacity as Agent

                                   By:    /s/ Scott Singhoff
                                      ----------------------------------------
                                   Name:  Scott Singhoff
                                   Title: Managing Director

                                   THE BANK OF NOVA SCOTIA

                                   By:    /s/ R.P. Reynolds
                                      ----------------------------------------
                                   Name:  R.P. Reynolds
                                   Title: Director

                                   BANKBOSTON, N.A.

                                   By:    /s/ Walter J. Marullo
                                      ----------------------------------------
                                   Name:  Walter J. Marullo
                                   Title: Vice President

                                   PARIBAS

                                   By:    /s/ Eric Voravong
                                      ----------------------------------------
                                   Name:  Eric Voravong
                                   Title: Vice President

                                   By:    /s/ Sean T. Conlon
                                      ----------------------------------------
                                   Name:  Sean T. Conlon
                                   Title: Managing Director

                                   COOPERATIEVE CENTRALE RAIFFEISEN-
                                   BOERENLEINBANK B.A., "RABOBANK
                                   NEDERLAND"

                                   By:
                                      ----------------------------------------
                                   Name:
                                   Title:

                                   [Signatures Continue]

FIFTH AMENDMENT
INSIGHT HEALTH SERVICES CORP.

<PAGE>

                                   BHF BANK AKTIENGESELLSCHAFT

                                   By:
                                      ----------------------------------------
                                   Name:
                                   Title:

                                   By:
                                      ----------------------------------------
                                   Name:
                                   Title:

                                   DRESDNER BANK AG. NEW YORK BRANCH AND
                                   GRAND CAYMAN BRANCH

                                   By:     /s/ A. P. Nesi
                                      ----------------------------------------
                                   Name:   Andrew P. Nesi
                                   Title:  First Vice President

                                   By:     /s/ C. M. O'Shea
                                      ----------------------------------------
                                   Name:   Charles M. O'Shea
                                   Title:  Vice President

                                   IMPERIAL BANK, A CALIFORNIA BANKING
                                   CORPORATION

                                   By:     /s/ R. Vadalma
                                      ----------------------------------------
                                   Name:   Ray Vadalma
                                   Title:  Senior Managing Director

                                   UNION BANK OF CALIFORNIA, N.A.

                                   By:
                                      ----------------------------------------
                                   Name:
                                   Title:

                                   BANK POLSKA KASA OPIEKA, S.A.

                                   By:     /s/ Barry W. Henry
                                      ----------------------------------------
                                   Name:   Barry W. Henry
                                   Title:  Vice President
                                           Senior Lending Officer

FIFTH AMENDMENT
INSIGHT HEALTH SERVICES CORP.<PAGE>
                                                                EXHIBIT 10.32

                  SIXTH AMENDMENT TO CREDIT AGREEMENT AND WAIVER

         THIS SIXTH AMENDMENT TO CREDIT AGREEMENT AND WAIVER (this "AMENDMENT"),
dated as of May 31, 2000, is by and among INSIGHT HEALTH SERVICES CORP. (the
"BORROWER"), the subsidiaries of the Borrower identified on the signature
pages hereto (the "GUARANTORS"), the several lenders identified on the
signature pages hereto (each a "LENDER" and, collectively, the "LENDERS")
and BANK OF AMERICA, N.A., formerly NationsBank N.A., as agent for the
Lenders (in such capacity, the "AGENT").

                               W I T N E S S E T H

         WHEREAS, the Borrower, the Guarantors, the Lenders and the Agent
entered into that certain Credit Agreement dated as of October 14, 1997, as
amended by that First Amendment to Credit Agreement dated as of November 17,
1997, as amended by that Second Amendment to Credit Agreement dated as of
December 19, 1997, as amended by that Third Amendment to Credit Agreement
dated as of March 23, 1998, as amended by that Fourth Amendment and
Restatement of Credit Agreement dated as of June 12, 1998 and as amended by
that Fifth Amendment to Credit Agreement dated as of December 15, 1999 (as so
amended, the "EXISTING CREDIT AGREEMENT");

         WHEREAS, the Borrower and the Guarantors have requested that certain
provisions of the Existing Credit Agreement be amended; and

         WHEREAS, the parties have agreed to amend the Existing Credit
Agreement as set forth herein.

         NOW, THEREFORE, in consideration of the agreements hereinafter set
forth, and for other good and valuable consideration, the receipt and
adequacy of which are hereby acknowledged, the parties hereto agree as follows:

                                    PART 1
                                  DEFINITIONS

         SUBPART 1.1  CERTAIN DEFINITIONS.  Unless otherwise defined herein
or the context otherwise requires, the following terms used in this
Amendment, including its preamble and recitals, have the following meanings:

               "AMENDED CREDIT AGREEMENT" means the Existing Credit Agreement
         as amended hereby.

               "AMENDMENT NO. 6 EFFECTIVE DATE" is defined in Subpart 4.1.

               "WILKES-BARRE" means that certain outpatient medical diagnostic
         imaging center located at 150 Mundy Street, Wilkes-Barre,
         Pennsylvania.

                                     - 1 -

<PAGE>

         SUBPART 1.2  OTHER DEFINITIONS. Unless otherwise defined herein or
the context otherwise requires, terms used in this Amendment, including its
preamble and recitals, have the meanings provided in the Amended Credit
Agreement.

                                          PART 2
                         AMENDMENTS TO EXISTING CREDIT AGREEMENT

         Effective on (and subject to the occurrence of) the Amendment No. 6
Effective Date, the Existing Credit Agreement is hereby amended in accordance
with this PART 2. Except as so amended, the Existing Credit Agreement and all
other Credit Documents shall continue in full force and effect.

         SUBPART 2.1  AMENDMENTS TO SECTION 1.1.

               A.   The following definitions set forth in Section 1.1 of the
         Existing Credit Agreement are hereby amended in their entireties to
         read as follows:

                    "APPLICATION PERIOD", (i) in respect of any Asset
         Disposition by any Consolidated Party, shall have the meaning
         assigned to such term in Section 8.5 and (ii) in respect of any
         Asset Disposition by any Unrestricted Joint Venture which is a
         Restricted Subsidiary (as defined in the Subordinated Note Indenture),
         means 359 days following the consummation of such Asset Disposition.

                    "ASSET DISPOSITION" means (i) the disposition of any or
         all of the assets (including without limitation the Capital Stock of
         a Subsidiary) of any Consolidated Party, whether by sale, lease,
         transfer or otherwise, other than (a) the sale of inventory in the
         ordinary course of business for fair consideration, (b) the sale or
         disposition of machinery and equipment no longer used or useful in
         the conduct of such Person's business and (c) any Equity Issuance
         and (ii) any Asset Sale (as defined in the Subordinated Note
         Indenture).

                    "CENTRAL COAST" means St. John's Regional Medical Center,
         LLC, a California limited liability company.

                    "EXCLUDED ASSET DISPOSITION" means (i) any Asset
         Disposition by any Consolidated Party to any Credit Party if (a) the
         Credit Parties shall cause to be executed and delivered such
         documents, instruments and certificates as the Agent may request so
         as to cause the Credit Parties to be in compliance with the terms of
         Section 7.13 after giving effect to such Asset Disposition and (b)
         after giving effect such Asset Disposition, no Default or Event of
         Default exists and (ii) any transaction constituting a Permitted
         Investment.

                                     - 2 -

<PAGE>

                  "NET CASH PROCEEDS" means, with respect to any Person, the
              aggregate cash proceeds received by such Person in respect of
              any Asset Disposition, Equity Issuance or Debt Issuance, net of
              (a) direct costs (including, without limitation, legal,
              accounting and investment banking fees, and sales commissions),
              (b) taxes paid or payable as a result thereof and (c) amounts
              required to be paid to any Person (other than any Consolidated
              Party or Unrestricted Joint Venture) owning a beneficial
              interest in any assets that are subject to an Asset Disposition;
              it being understood that "Net Cash Proceeds" shall include,
              without limitation, any cash received upon the sale or other
              disposition of any non-cash consideration received by such
              Person in any Asset Disposition, Equity Issuance or Debt
              Issuance.

                  "PERMITTED INVESTMENTS" means Investments which are either
              (i) cash or Cash Equivalents; (ii) accounts receivable created,
              acquired or made by any Consolidated Party in the ordinary
              course of business and payable or dischargeable in accordance
              with customary trade terms; (iii) Investments consisting of
              Capital Stock, obligations, securities or other property
              received by any Consolidated Party in settlement of accounts
              receivable (created in the ordinary course of business) from
              bankrupt obligors; (iv) Investments existing as of the Closing
              Date and set forth in SCHEDULE 1.1B; (v) Guaranty Obligations
              permitted by Section 8.1; (vi) transactions permitted by Section
              8.9; (vii) advances or loans to directors, officers, employees,
              agents, customers or suppliers made in the ordinary course of
              business for reasonable business and which do not exceed
              $1,000,000 in the aggregate at any one time outstanding for all
              of the Consolidated Parties; (viii) Investments in any Credit
              Party; (ix) Permitted Acquisitions; (x) Investments in Joint
              Ventures not to exceed $25,000,000 and (xi) the purchase of
              Eligible Assets with the proceeds of any Asset Disposition as
              contemplated by Section 8.5.

                  "RESTRICTED JOINT VENTURE" means any Joint Venture in
              existence on the Closing Date and identified on SCHEDULE 1.1A.

                  "SUBSIDIARY" means, as to any Person at any time, (a) any
              corporation more than 50% of whose Capital Stock of any class or
              classes having by the terms thereof ordinary voting power to
              elect a majority of the directors of such corporation
              (irrespective of whether or not at such time, any class or
              classes of such corporation shall have or might have voting
              power by reason of the happening of any contingency) is at such
              time owned by such Person directly or indirectly through
              Subsidiaries, and (b) any partnership, association, joint
              venture or other entity of which such Person directly or
              indirectly through Subsidiaries owns at such time more than 50%
              of the Capital Stock; PROVIDED, HOWEVER, that the term
              "Subsidiary" (i) shall not include any Unrestricted Joint
              Venture and (ii) shall include Wilkes-Barre Imaging, LLC.

                                   - 3 -

<PAGE>

                  "UNRESTRICTED JOINT VENTURE" means any Joint Venture which
              is not a Restricted Joint Venture; PROVIDED, HOWEVER, the term
              "Unrestricted Joint Venture" shall not include Wilkes-Barre
              Imaging, LLC.

              B.  Clause (xiii) appearing in the definition of "Permitted
       Liens" appearing in Section 1.1 of the Existing Credit Agreement is
       hereby amended in its entirety to read as follows:

              (xiii) Liens on any Property owned by any Subsidiary of the
              Borrower which is a Restricted Joint Venture;

       SUBPART 2.2  AMENDMENTS TO SECTION 1.3  Section 1.3 of the Existing
Credit Agreement is amended in its entirety to read as follows:

              1.3 ACCOUNTING TERMS.

                  Except as otherwise expressly provided herein, all
              accounting terms used herein shall be interpreted, and all
              financial statements and certificates and reports as to
              financial matters required to be delivered to the Lenders
              hereunder shall be prepared, in accordance with GAAP applied on
              a consistent basis. All calculations made for the purposes of
              determining compliance with this Credit Agreement (i) shall
              (except as otherwise expressly provided herein) be made by
              application of GAAP applied on a basis consistent with the most
              recent annual or quarterly financial statements delivered
              pursuant to Section 7.1 (or, prior to the delivery of the first
              financial statements pursuant to Section 7.1, consistent with
              the financial statements as at June 30, 1997) but, in any event,
              after elimination for minority interests; PROVIDED, HOWEVER, if
              (a) the Borrower shall object to determining such compliance on
              such basis at the time of delivery of such financial statements
              due to any change in GAAP or the rules promulgated with respect
              thereto or (b) the Agent or the Required Lenders shall so object
              in writing within 60 days after delivery of such financial
              statements, then such calculations shall be made on a basis
              consistent with the most recent financial statements delivered
              by the Borrower to the Lenders as to which no such objection
              shall have been made, and (ii) shall exclude income statement
              items (whether positive or negative) attributable to ownership
              interests held by any Consolidated Party in any Unrestricted
              Joint Venture.

                  Notwithstanding the above, the parties hereto acknowledge
              and agree that, for purposes of all calculations made under the
              financial covenants set forth in Section 7.11 (including without
              limitation for purposes of the definitions of "Applicable
              Percentage" and "Pro Forma Basis" set forth in Section 1.1),
              (i)(A) income statement items (whether positive or negative)
              attributable to the Property disposed of in any Asset
              Disposition as contemplated by Section 8.5 or to any Operating
              Leases of

                                   - 4 -

<PAGE>

          GE Financed Machinery which were converted into Capital
          Leases, as applicable, shall be excluded to the extent
          relating to any period occurring prior to the date of
          such transaction, (B) Indebtedness which is retired in
          connection with any such Asset Disposition shall be
          excluded and deemed to have been retired as of the first
          day of the applicable period and (C) for purposes of
          calculating interest expense, Indebtedness attributable
          to Capital Leases which were formerly Operating Leases of
          GE Financed Machinery shall be deemed to have been
          incurred on the first day of the applicable period and if
          such Indebtedness has a floating or formula rate, such
          Indebtedness shall have an implied rate of interest for
          the applicable period determined by utilizing the rate
          which is or would be in effect with respect to such
          Indebtedness as at the relevant date of determination,
          and (ii) income statement items (whether positive or
          negative) attributable to any Property acquired in any
          Investment transaction (including without limitation any
          Permitted Acquisition) contemplated by Section 8.6 shall
          be included to the extent relating to any period
          applicable in such calculations occurring after the date
          of such transaction (and, notwithstanding the foregoing,
          during the first four fiscal quarters following the date
          of such transaction, shall be included on an annualized
          basis).

    SUBPART 2.3 AMENDMENTS TO SECTION 6.13. The first sentence of Section
6.13 of the Existing Credit Agreement is hereby amended in its entirety to
read as follows:

          Set forth on SCHEDULE 6.13 is a complete and accurate list of all
          Subsidiaries of each Consolidated Party and all Unrestricted Joint
          Ventures of each Consolidated Party.

    SUBPART 2.4 AMENDMENTS TO SECTIONS 7.12, 7.13, 8.7, 8.8, 8.12 AND 8.15.
The clause "which is not a Joint Venture" as it appears in Sections 7.12,
7.13, 8.7, 8.8, 8.12 and 8.15 of the Existing Credit Agreement is amended in
its entirety in each such Section to read "which is not a Restricted Joint
Venture".

    SUBPART 2.5 AMENDMENTS TO SECTION 7.14. The clause "Joint Ventures" as it
appears in Section 7.14 of the Existing Credit Agreement is amended in its
entirety each time it appears in such Section to read "Restricted Joint
Ventures".

    SUBPART 2.6 AMENDMENTS TO SECTION 8.1(c). Section 8.1(c) of the Existing
Credit Agreement is amended in its entirety to read as follows:

    8.1   INDEBTEDNESS.

          The Credit Parties will not permit any Consolidated Party to
contract, create, incur, assume or permit to exist any Indebtedness, except:

                                     ************

                                        - 5 -
<PAGE>

              (c)(i) purchase money Indebtedness (including Capital Leases
          and Synthetic Leases) hereafter incurred by any Consolidated Party
          which is not a Restricted Joint Venture other than Open MRI or
          Central Coast to finance the purchase of fixed assets PROVIDED that
          (A) the total of all such Indebtedness for all such Persons taken
          together shall not exceed an aggregate principal amount of
          $10,000,000 (excluding any such Indebtedness of any Consolidated
          Party other than Open MRI or Central Coast referred to in
          subsection (b) above) at any one time outstanding; (B) such
          Indebtedness when incurred shall not exceed the purchase price of
          the asset(s) financed; and (C) no such Indebtedness shall be
          refinanced for a principal amount in excess of the principal
          balance outstanding thereon at the time of such refinancing;

              (ii)  purchase money Indebtedness (including Capital Leases and
          Synthetic Leases) hereafter incurred by Open MRI to finance the
          purchase of fixed assets PROVIDED that (A) the total outstanding
          principal of all such Indebtedness (including any such Indebtedness
          of Open MRI referred to in subsection (b) above), taken together
          with the aggregate original equipment cost of all Property leased
          by Open MRI under Operating Leases, shall not exceed at any time an
          aggregate principal amount of $20,000,000; (B) such Indebtedness
          when incurred shall not exceed the purchase price of the asset(s)
          financed; and (C) no such Indebtedness shall be refinanced for a
          principal amount in excess of the principal balance outstanding
          thereon at the time of such refinancing;

              (iii) purchase money Indebtedness (including Capital Leases and
          Synthetic Leases) hereafter incurred by Central Coast to finance
          the purchase of fixed assets PROVIDED that (A) the total
          outstanding principal of all such Indebtedness shall not exceed at
          any time an aggregate principal amount of $6,000,000 (including any
          such Indebtedness of Central Coast referred to in subsection (b)
          above); (B) such Indebtedness when incurred shall not exceed the
          purchase price of the asset(s) financed; and (C) no such
          Indebtedness shall be refinanced for a principal amount in excess
          of the principal balance outstanding thereon at the time of such
          refinancing;

              (iv)  obligations of the Credit Parties (other than Open MRI)
          arising under Capital Leases with respect to the GE Financed
          Machinery; PROVIDED that (A) the total outstanding principal of all
          such Indebtedness shall not exceed at any time an aggregate
          principal amount of $57,300,000; (B) such Indebtedness when
          incurred shall not exceed the purchase price of the asset(s)
          financed; and (C) no such Indebtedness shall be refinanced for a
          principal amount in excess of the principal balance outstanding
          thereon at the time of such refinancing;

    SUBPART 2.7 AMENDMENTS TO SECTIONS 8.16(a) AND 8.18. The clause "which
are not Joint Ventures" as it appears in Sections 8.16(a) and 8.18 of the
Existing Credit Agreement is amended in its entirety in each such Section to
read "which are not Restricted Joint Ventures".

<PAGE>

                                     PART 3
              CERTAIN WAIVERS REGARDING ACQUISITION OF WILKES-BARRE

     Solely with respect to the Acquisition of Wilkes-Barre by InSight Health
Corp., the Required Lenders agree as follows:

          (a) The requirement that the maximum amount of proceeds of
     Acquisition Loans used to finance the Acquisition of Wilkes-Barre not
     exceed $15,000,000, as set forth in clause (vii) of the definition of
     "Permitted Acquisition" appearing in Section 1.1 of the Amended Credit
     Agreement, is hereby waived.

          (b) Notwithstanding anything to the contrary contained in the
     Amended Credit Agreement (including, without limitation, Sections 8.5 and
     8.12), in connection with and as partial consideration for the
     Acquisition of Wilkes-Barre, Wilkes-Barre Imaging, LLC shall be permitted
     to issue or transfer shares of its Capital Stock to Roy Assael in an
     amount not to exceed 10% of the total outstanding Capital Stock of
     Wilkes-Barre Imaging, LLC (the "Minority Interest"). Furthermore, (i) any
     requirement that the Credit Parties prepay the Loans pursuant to Section
     3.3(b)(v) in connection with the issuance of such Capital Stock to Roy
     Assael is hereby waived and (ii) notwithstanding anything to the contrary
     contained in Section 7.12, Section 7.13 or any of the Collateral
     Documents, any requirement that the Minority Interest be pledged as
     Collateral to secure the Credit Party Obligations is waived for so long
     as such Minority Interest is not held by a Credit Party.

                                     PART 4
                          CONDITIONS TO EFFECTIVENESS

     SUBPART 4.1 AMENDMENT NO. 6 EFFECTIVE DATE. This Amendment shall be and
become effective as of the date hereof (the "AMENDMENT NO. 6 EFFECTIVE DATE")
when all of the conditions set forth in this PART 4 shall have been satisfied,
and thereafter this Amendment shall be known, and may be referred to, as
"AMENDMENT NO. 6."

     SUBPART 4.2 EXECUTION OF COUNTERPARTS OF AMENDMENT. The Agent shall have
received counterparts (or other evidence of execution, including telephonic
message, satisfactory to the Agent) of this Amendment, which collectively
shall have been duly executed on behalf of each of the Borrower, the
Guarantors and the Required Lenders.

     SUBPART 4.3 AMENDMENT FEE. The Agent shall have received for the account
of each Lender approving this Amendment an amendment fee equal to 0.125% of
each such Lender's Commitment.

     SUBPART 4.4 OTHER ITEMS. The Agent shall have received such other
documents, agreements or information which may be reasonably requested by the
Agent.

                                      -7-

<PAGE>

                                     PART 5
                                 MISCELLANEOUS

     SUBPART 5.1 REPRESENTATIONS AND WARRANTIES. Borrower hereby represents
and warrants to the Agent and the Lenders that (a) after giving effect to this
Amendment, (i) no Default or Event of Default exists under the Credit
Agreement or any of the other Credit Documents and (ii) the representations
and warranties set forth in Section 6 of the Amended Credit Agreement are,
subject to the limitations set forth therein, true and correct in all material
respects as of the date hereof (except for those which expressly relate to an
earlier date) and (b) the transactions contemplated in this Amendment are not
prohibited by the Subordinated Note Indenture (as in effect immediately prior
to the Amendment No. 6 Effective Date.

     SUBPART 5.2 REAFFIRMATION OF CREDIT PARTY OBLIGATIONS. Each Credit Party
hereby ratifies the Credit Agreement and acknowledges and reaffirms (i) that
it is bound by all terms of the Credit Agreement and (ii) that it is
responsible for the observance and full performance of the Credit Party
Obligations.

     SUBPART 5.3 CROSS-REFERENCES. References in this Amendment to any Part or
Subpart are, unless otherwise specified, to such Part or Subpart of this
Amendment.

     SUBPART 5.4 INSTRUMENT PURSUANT TO EXISTING CREDIT AGREEMENT. This
Amendment is a Credit Document executed pursuant to the Existing Credit
Agreement and shall (unless otherwise expressly indicated therein) be
construed, administered and applied in accordance with the terms and
provisions of the Existing Credit Agreement.

     SUBPART 5.5 REFERENCES IN OTHER CREDIT DOCUMENTS. At such time as this
Amendment No. 6 shall become effective pursuant to the terms of SUBPART 4.1,
all references in the Existing Credit Documents to the "Credit Agreement"
shall be deemed to refer to the Credit Agreement as amended by this Amendment
No. 6.

     SUBPART 5.6 COUNTERPARTS. This Amendment may be executed by the parties
hereto in several counterparts, each of which shall be deemed to be an
original and all of which shall constitute together but one and the same
agreement.

     SUBPART 5.7 GOVERNING LAW. THIS AMENDMENT SHALL BE DEEMED TO BE A
CONTRACT MADE UNDER AND GOVERNED BY THE INTERNAL LAWS OF THE STATE OF NEW YORK.

     SUBPART 5.8 SUCCESSORS AND ASSIGNS. This Amendment shall be binding upon
and inure to the benefit of the parties hereto and their respective successors
and assigns.

        [The remainder of this page has been left blank intentionally]

                                      -8-

<PAGE>

         IN WITNESS WHEREOF the parties hereto have caused this Amendment to
be duly executed on the date first above written.

BORROWER:                          INSIGHT HEALTH SERVICES CORP.

                                   By:     /s/ Thomas V. Croal
                                      -------------------------------------
                                   Name:   Thomas V. Croal
                                   Title:  Executive Vice President,
                                           Chief Financial Officer

GUARANTORS:                        INSIGHT HEALTH CORP.
                                   RADIOLOGY SERVICES CORP.
                                   OPEN MRI, INC.
                                   MAXUM HEALTH CORP.
                                   RADIOSURGERY CENTERS, INC.
                                   QUEST FINANCIAL SERVICES, INC.
                                   MAXUM HEALTH SERVICES CORP.
                                   DIAGNOSTIC SOLUTIONS CORP.
                                   MAXUM HEALTH SERVICES
                                       OF NORTH TEXAS, INC.
                                   MAXUM HEALTH SERVICES
                                       OF ARLINGTON, INC.
                                   MAXUM HEALTH SERVICES
                                       OF DALLAS, INC.
                                   NDDC, INC.
                                   SIGNAL MEDICAL SERVICES, INC.
                                   MISSISSIPPI MOBILE TECHNOLOGY, INC.

                                   By:     /s/ Thomas V. Croal
                                      -------------------------------------
                                   Name:   Thomas V. Croal
                                   Title:  Executive Vice President,
                                           Chief Financial Officer

                                   [Signatures Continue]

SIXTH AMENDMENT
INSIGHT HEALTH SERVICES CORP.

<PAGE>

LENDERS:                           BANK OF AMERICA, N.A. formerly NationsBank,
                                   N.A., individually in its capacity as a
                                   Lender and in its capacity as Agent

                                   By:    /s/ Scott Singhoff
                                      ----------------------------------------
                                   Name:  Scott Singhoff
                                   Title: Managing Director

                                   THE BANK OF NOVA SCOTIA

                                   By:    /s/ R.P. Reynolds
                                      ----------------------------------------
                                   Name:  R.P. Reynolds
                                   Title: Director

                                   FLEET NATIONAL BANK

                                   By:    /s/ Walter J. Marullo
                                      ----------------------------------------
                                   Name:  Walter J. Marullo
                                   Title: Vice President

                                   PARIBAS

                                   By:    /s/ Sean T. Conlon
                                      ----------------------------------------
                                   Name:  Sean T. Conlon
                                   Title: Managing Director

                                   By:    /s/ Eric Voravong
                                      ----------------------------------------
                                   Name:  Eric Voravong
                                   Title: Vice President

                                   COOPERATIEVE CENTRALE RAIFFEISEN-
                                   BOERENLEINBANK B.A., "RABOBANK
                                   NEDERLAND"

                                   By:
                                      ----------------------------------------
                                   Name:
                                   Title:

                                   [Signatures Continue]

SIXTH AMENDMENT
INSIGHT HEALTH SERVICES CORP.

<PAGE>

                                   BHF (USA) CAPITAL CORPORATION

                                   By:     /s/ Dan Dobrjanskyj
                                      ----------------------------------------
                                   Name:   Dan Dobrjanskyj
                                   Title:  Assistant Vice President

                                   By:     /s/ Richard Cameron
                                      ----------------------------------------
                                   Name:   Richard Cameron
                                   Title:  Vice President

                                   DRESDNER BANK AG. NEW YORK BRANCH AND
                                   GRAND CAYMAN BRANCH

                                   By:     /s/ A. Nesi
                                      ----------------------------------------
                                   Name:   A. Nesi
                                   Title:  First Vice President

                                   By:     /s/ D. A. Ritzier
                                      ----------------------------------------
                                   Name:   Debra A. Ritzier
                                   Title:  Assistant Vice President

                                   IMPERIAL BANK, A CALIFORNIA BANKING
                                   CORPORATION

                                   By:     /s/ R. Vadalma
                                      ----------------------------------------
                                   Name:   Ray Vadalma
                                   Title:  Senior Managing Director

                                   UNION BANK OF CALIFORNIA, N.A.

                                   By:     /s/ Ronald A. Launsbach
                                      ----------------------------------------
                                   Name:   Ronald A. Launsbach
                                   Title:  Vice President

                                   BANK POLSKA KASA OPIEKA, S.A.

                                   By:     /s/ Barry W. Henry
                                      ----------------------------------------
                                   Name:   Barry W. Henry
                                   Title:  Vice President
                                           Senior Lending Officer

SIXTH AMENDMENT
INSIGHT HEALTH SERVICES CORP.

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