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Paying for your own treatment: frequently asked questions

How do I arrange one-off private treatment?
Simply call your nearest hospital to make an initial appointment, to request a guide price or to discuss your personal situation.
 
Do I have to be insured?
No. One-off private treatment is designed for people who do not have private medical insurance, or whose insurance does not cover the treatment they need. It is a simple and manageable way to pay for private hospital treatment.

Are all treatments and operations available if I’m a self-pay patient? 
Yes. All 36 Spire Healthcare hospitals have the expertise to carry out a wide range of private operations, treatments and tests. All procedures are available to self-pay patients subject to health assessment.
 
Can I choose my consultant?
Yes - although this will often be done in conjunction with your GP. For most self-pay treatment, you’ll need a GP referral letter to bring to your first appointment. You can use our consultant search above to view profiles of consultants working in Spire hospitals.

Will I see the same consultant every time? 
Yes. We know that continuity of care is important, which is why we do our utmost to ensure that you're looked after by the same consultant - from your first appointment through to your treatment and follow-up care.

What happens if I’ve already seen a consultant at another hospital?
If you've already seen a consultant at an NHS or other private hospital, and the same specialist can provide one-off private treatment at a Spire hospital, we'll be happy to make all the arrangements for you. Alternatively, we can arrange treatment under a new consultant at one of our hospitals. If you are changing consultant, we will ask you obtain a new referral letter from your GP.

What happens if I’m a self-pay outpatient?
Your consultant will send you a bill for the consultation and the hospital will charge you separately for any tests and treatment carried out.
 
What happens if I’m a self-pay inpatient?
If you are staying overnight or longer we will charge you a single all-inclusive fixed price where possible (see below for more information).

You will need to pay for your treatment in advance, however occasionally we are unable to offer treatment at an all-inclusive price. In this situation, we may offer you treatment under a self-funding agreement, where you would pay a deposit to cover the expected costs of your care. At the end of your stay, we would invoice you for any additional care and services provided above the level of your deposit, or we would refund part of your deposit if your care costs were below those expected.

If I’m a self-pay patient, will I have a private room?
If you're staying overnight or longer, you'll have your own private room, with TV, radio, telephone, and en-suite bathroom. Every room is equipped with a nurse-call system, so you can get help at any time, day or night. If you’re having treatment as a day-case patient, you’ll probably recover in one of our comfortable day-case units.
 
What’s included in the fixed price?
The one-off private treatment price will include your operation or procedure, consultants' fees, nursing care, accommodation, physiotherapy and medication, after-care, a follow-up appointment and further treatment that may arise if there are complications.
 
The price does not include consultations and tests you may have before you come into hospital. At the time of your consultation visit, we will also be able to tell you the price for any tests that your consultant recommends.
 
Once you have confirmed that you wish to go ahead, we will arrange a treatment date and we will ask you to pay the fixed price in full before admission.

In addition to the main treatment costs, there may be sundry items which you will need to pay for, such as telephone calls, meals for visitors and newspapers. 
 
We will ask you to pay for any sundry items before leaving hospital or to provide credit or debit card details so that we can charge any sundry items to your card.

Click here to read our terms and conditions

Is the price always fixed?
Occasionally, we are unable to offer treatment at an all-inclusive price. In this situation, we may offer you treatment under a self-funding agreement, where you would pay a deposit to cover the expected costs of your care. At the end of your stay, we would invoice you for any additional care and services provided above the level of your deposit, or we would refund part of your deposit if your care costs were below those expected.

How can I pay?
We accept payment by cash, cheque, bankers's draft, credit card or debit card.
You can also pay any Spire Healthcare invoice using our online payment page.

When do I need to pay?
We need to receive payment in full at least five working days before your admission date. However, if you choose to pay by personal cheque, we need to receive this at least seven working days before your admission to allow time for your cheque to clear.

Do you offer flexible payment plans?
Spire Healthcare works with specialist medical loans company First Medical Loans – who can help you arrange affordable finance quickly and easily. First Medical Loans offer a range of finance plans to suit individual circumstances.

Click here to find out more about treatment finance options, or simply contact First Medical Loans on 0845 618 5375 (lines open 9am to 7pm Monday to Friday; 9am to 1pm Saturday).

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How to pay

Currently you may pay by cash, cheque, banker's draft by contacting your local Spire hospital, or to use a card please call Spire Accounts Receivable department on 0845 600 5246 and select option 1.

Online payment is currently not possible however we hope to have this facility available very soon.

0% finance - so that you don't have to wait

Finance packages to suit you, including interest-free terms for some treatments. *A £55 administration fee will be charged.

Click here for more information about Spire's finance options

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