Paying for your own treatment: frequently asked questions

How do I make an enquiry?
To make an enquiry simply fill in the online enquiry form, request a call back or alternatively call your nearest Spire hospital where a customer adviser will be happy to answer any questions you may have.

How do I make a booking?
Simply call your nearest hospital to make an initial appointment and/or to request a price. Alternatively fill in the online enquiry form and we will get back to you with an appointment.

How quickly can I be seen?
Most out-patient and diagnostic appointments can be seen within 24 hours of your initial enquiry.
Do I have to be insured?
No. Spire self-pay 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.

Am I still entitled to NHS care if I choose to self-fund?
Yes – If you are eligible for healthcare in the UK you will continue to be eligible, regardless of if you chose to self-fund privately.

Are all treatments and operations available if I’m a self-pay patient? 
Yes. All 38 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 (following an initial consultation to determine an individual’s healthcare needs).
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. Note that some consultants do not included their fees in Spire fixed price treatment and charge patients separately. Your local hospital will be able to explain what is available to you.

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, you may need a new referral letter from your GP.

What happens if I’m a self-pay out-patient?
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 in-patient?
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 very occasionally (approximately 1% of patients) we are unable to offer treatment at an all-inclusive price due to medical circumstance. 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?
Yes - 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, standard prosthesis (if required), consultants' fees, nursing care, accommodation, physiotherapy and medication, after-care, a follow-up appointment (if you need it) and further treatment that may arise if there are clinical 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 and have seen your chosen consultant for an initial consultation and any diagnostic tests that you may need, we will arrange a treatment date and we will ask you to pay the fixed price in full before admission.

Click here to read our terms and conditions, which explain in detail what is included and excluded from your fixed price treatment.

Is the price always fixed?
We are able to give fixed prices to most of our patients, and fixed prices can be given on all treatments with the exception of Bariatric (weight loss surgery) procedures which are priced on an individual basis depending on the individual healthcare needs of our patients. Please contact your local hospital to find out more.  

How can I pay?
At Spire we offer various finance options including interest free finance (0% representative APR available) we also accept payment by cash, cheque, bankers’ draft, credit card or debit card. Contact your local Spire hospital, or to use a card please call Spire Accounts Receivable department on 0845 600 5246 and select option 1.

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?
Yes - Spire Healthcare works with specialist medical loans company First Medical Loans – who may be able to 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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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 apply

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© Spire Healthcare Group plc (2016)