Private Medical Insurance

In order to obtain treatment funded by an insurance company you will need to:

1. Obtain a referral from your GP

Simply visit your GP and ask them to refer you to a consultant who practises at The Spire Clinic, Droitwich Spa. Your GP will write a letter of referral and then either you or your GP can contact us to arrange your first out-patient appointment.

Once you and your consultant have agreed on the treatment needed, we will arrange your admission for a time that fits in with your other priorities and commitments.

2. Confirm cover with your insurer at each stage of your treatment

To ensure your insurance company will cover your treatment costs you are advised to contact them prior to each stage of treatment, including your first out-patient appointment, to inform them of your treatment details and confirm cover.

Claims processes differ between insurers and your provider will guide you through the process. If your cover is provided by your employer you will need to follow the claims process specific to your scheme.

Your insurer may require a claim form from your GP and you will need to check in advance with your insurance company that you are covered for treatment at each stage (e.g. out-patient consultation later followed by day-case surgery).

3. Provide details of your cover and authorisation for treatment to us

Spire charges for hospital services (nursing, facilities, medical consumables etc.).

Consultants (surgeons, anaesthetists and physicians) charge independently for their time and expertise.

Spire has direct settlement arrangements with insurance companies and will normally submit our charges to them electronically. In order to do this we need to know:

• your insurer
• your registration number
• your scale/level of cover
• your scheme details if you are insured under a company scheme
• your pre-authorisation number for your treatment

We will ask you for a swipe of your credit card when you register. This is to cover any charges your insurer is not liable to pay. Your details will be kept securely for up to 6 months and we will notify you in advance if it is necessary to use them.

Consultants may invoice to your home address and it may be necessary for you to forward bills to your insurer.


If you choose to pay for your own treatment, Spire self-pay provides you with a fixed price in advance so you are in control of the cost.

When you come to us you will have an initial consultation with your chosen consultant to discuss your condition. This may be followed with diagnostic tests or scans. Initial consultations and initial tests (if required) are charged separately*. Once the consultant has discussed the treatment you require, you will be given a fixed price; this will cover all costs relating to your treatment from this point on. Your price is made up of your surgeon’s fee, anaesthetist fees, hospital fees (nursing, accommodation, food etc.) and the price of any necessary prosthesis from our standard range. Your hospital fees cover everything you need for as long as you need to stay in hospital, so you don’t get any unexpected bills if for clinical reasons you need to stay for longer than planned.

If prosthesis is needed, in the majority of cases a standard prosthesis will be suitable. However a small number of people are advised that for medical reasons a specialist prosthesis will be used. In these instances a fixed price will still be given to you, but it may vary from the prices you see quoted on our prices page.

Once you have left hospital, your fixed price covers one follow up consultation (if deemed necessary)*, and all standard post-operative care, including take home drugs; the removal of stiches; dressing changes and all physiotherapy that your consultant advises you need. For additional peace of mind, should there be a clinical need for you to return to hospital you will not receive an additional bill.

For full details about what is included in a Spire self-pay package, please read our patient terms and conditions.

*unless stated otherwise

Medical Loans

When you've made up your mind about having surgery or a particular treatment, the last thing you want to do is to have to wait.

At Spire Healthcare we focus solely on your individual treatment and care but we know that for many patients, getting help with finance can make all the difference. We are therefore working with specialist medical loans company First Medical Loans to help you arrange affordable finance quickly and easily.

There are finance plans to suit individual circumstances:

• loan value from £350 up to £1,500
• competitive terms
• choice of repayment periods
• discreet personal service
• friendly advisory team
• confidentiality assured

If you are using a loan to pay for all or part of the cost of your treatment, the loan will be paid into your bank account so that you can pay your Spire Healthcare invoice before treatment takes place. Please allow time for the loan to be processed and paid to you at least two weeks before your treatment date.

For more information, please call Zebra Finance on 01332 680 400.