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Paying for private healthcare

Find out how to pay for private treatment at Circle Health Group, whether you are paying for your own treatment (self-pay) or using private medical insurance. Plus information on how much private healthcare costs

Senior female patient in hospital bed talking to male in blue scrubs

There are two ways to pay for private healthcare with Circle Health Group: you can pay for your own treatment (also called self-pay), or you can use your private medical insurance.

On this page, you’ll find more information on both ways of paying for treatment, and a section explaining private healthcare costs at Circle – from individual private treatment prices to information about paying for healthcare in monthly instalments.

We’ve tried to include all the information you might need, but if you have a question we haven’t answered, or just prefer to speak on the phone, simply call us and one of our friendly advisors will be able to help you.

If you came to pay your bill, you can do that here.

Many people don’t realise that you can easily access private healthcare even if you don’t have medical insurance.

Self-pay can also be used to pay for treatments that aren’t covered by your insurance policy – for example elective cosmetic surgery, or treatment for pre-existing conditions.

Another reason people choose self-pay private treatment is that they don't want to switch permanently to private healthcare. You might go private for a treatment that has a particularly long waiting list on the NHS, or something that the NHS does not offer. But you don't have to commit to going private permanently. In fact, you can move back and forth as often as you like.

At Circle Health Group, all our consultants and hospitals welcome patients who want to pay directly for their own treatment. Think of it as pay-as-you-go private healthcare: you pay for what you need, when you need it.

If you pay for yourself, you’ll get access to all the same services and facilities, and in some cases even more. We offer fixed-price packages that include six months’ aftercare, so we’re there for you through your recovery too.

If you want fast access to medical treatment – on your terms – read our handy step-by-step guide to accessing treatment via self-pay.

If you have private health insurance, whether personal or through your work, you can use this to pay for treatment at any of our Circle Health Group hospitals.

If you aren’t sure whether you have private medical insurance, it’s always worth checking. Many people have company cover through their employer that they forget to use. Some policies cover family members too – for example partners, children or parents – so you should check with your loved ones to see if they have private healthcare insurance that might include you too.

We work with all major private healthcare providers in the UK, and you can simply tell your provider which Circle hospital you’d like to have treatment at.

Find out more about private health insurance.

If you pay for your own treatment at Circle Health Group, you can take advantage of our flexible payment options, which allow you to spread the cost of treatment.

You can pay monthly for your treatment over a period you choose, from 12 months to five years. For the first 10 months, payments are often interest free.

We offer this service in conjunction with Chrysalis Finance. If you’re interested in our flexible payment options, you’ll find more information here.

*We used to offer a BMI finance card, also known as the BMI card, which was another way to spread the cost of your treatment with us. We now use Chrysalis Finance, which offers the same great rates and flexibility, and has an even easier application process.

Private healthcare costs depend on a variety of factors, including:

  • The region (and the hospital) you choose to have treatment in
  • The type of treatment you are having
  • Which consultant is leading your treatment

If you would like to know how much a specific treatment will cost, you can call our advisors, and they’ll help you find the information you need.

Examples of average prices for some of our most common procedures

At Circle Health Group, there is no one-size-fits-all approach to treatment. We build a bespoke care plan for every person we see. So, it’s not as simple as saying ‘XX procedure costs XX money’.

But, we know it’s really important to many people to have an idea of private healthcare prices before they make a decision. So, you’ll find example prices for our most common treatments here.

Where to find price lists for our hospitals

Many of our hospitals have dedicated pages that share the average prices for their most common treatments and operations.

To find these, use our hospital finder to find the Circle hospital nearest to you, and scroll down to the section called Treatment Prices.

Are you wondering when you’ll pay, how to pay, or who to pay?

Find out when and how we will ask for payment.

Read our guide to paying your bill for treatment.

There are many advantages when you go private.

Fast access to expert treatment

When you choose private treatment with Circle Health Group, the number one advantage is the speed of access to treatment. We don’t have waiting lists or backlogs, so you won’t be waiting long for your first consultation with a specialist, and any treatment you need should move along very quickly.

We have an easy online booking system that allows you to book your initial consultation in minutes, and you’ll often find an available appointment within the next few days. If you need more information before booking, or simply prefer to do things over the phone, you can call our dedicated UK call centre.

A safe and comfortable environment

Our hospitals are maintained to the highest standards of cleanliness and safety, but they’re also built with your comfort in mind. Each one is a calm and welcoming space designed to put you at ease as much as possible.

We offer private en-suite rooms as standard, with TVs and WiFi to help you relax, and our on-site catering teams cook nutritious meals that taste great, and can be adapted to suit any dietary requirements.


When you choose private healthcare, you can choose which hospital and which consultant are right for you. We have a network of thousands of experienced consultants across our 50+ hospitals and clinics, and they each specialise in a particular area of medicine. If you don’t know which consultant you need, don’t worry. Call us and one of our advisors will help you make the right choice for you.

Help in your recovery

When you pay for treatment with Circle Health Group, your package will include six months of aftercare. This means we’ll be there for you throughout your recovery if you need us, whether that’s with follow-up appointments and scans, or a course of physiotherapy to accelerate the healing process.

This is included in the price you pay up front, so you can focus on getting better without worrying about hidden costs down the line.

Flexible payment options

We work with Chrysalis Finance to offer flexible payment options to help you spread the cost of treatment, making private healthcare more affordable than you’d think.

Read more about the benefits of private healthcare.

Circle Health Group has more than 50 hospitals and clinics across the UK, making us the nation’s largest provider of private treatment.

What that means for you, is that you’re never far from one of our hospitals, and therefore never far from an experienced specialist who can help get you back on your feet without delay. And remember, going private gives you the right to choose where you want to have your treatment.

So, while most of our patients choose their nearest Circle Health Group hospital as the most convenient, this might not be the case for you. With Circle, the choice is yours.

Circle Health Group is the largest private hospital group in the UK. We have a number of excellent private hospitals in Scotland as well as in England and Wales, with more than 50 locations in total.

We offer a wide variety of medical specialities, from bones and joints to women’s health services, neurosurgery to mental health support. We focus on consultant-led treatment, tailored to the individual.

In 2020, we took control of BMI Healthcare. You can expect the same clinical excellence and the same focus on compassion that BMI hospitals have always been known for, now with the added bonus of Circle’s multimillion-pound investment programme across the group.

Our focus is on improving the patient experience, combining clinical excellence with peaceful surroundings, and always striving to be the best we can.

Find out more about circle Health Group.

What is private healthcare?

Private healthcare refers to hospitals and clinics that are not run by the NHS. Some private healthcare companies do work very closely with the NHS, but they are run independently. You might also hear private hospitals referred to as independent hospitals.

How do you go private for healthcare?

You can go private with Circle Health Group in two ways. We have detailed guides to both of them:

What are the benefits of private healthcare?

The benefits of private healthcare include faster access to treatment (with no waiting lists), easy access to specialist consultants, the ability to choose which doctor you see and which hospital you have treatment at, and robust aftercare programmes to help you in your recovery.

With Circle Health Group, additional benefits include private en-suite rooms, great quality meals, and a calm and peaceful environment. The same friendly faces will be there to look after you from start to finish, and we have a more relaxed visiting policy than many other hospitals.

Find out more about the benefits of private healthcare.

Does private healthcare cover cosmetic surgery?

Most cosmetic surgery in the UK is paid for privately. However, the cost of elective cosmetic surgery will not usually be covered in your private health insurance policy.

If you are interested in cosmetic surgery but worried about the cost, get in touch, and we can tell you more about our pay monthly private healthcare plans. These allow you to cover the price of cosmetic surgery with manageable monthly instalments over anywhere from 12 months to five years, with interest free options available.

How expensive is private healthcare (UK)?

Private healthcare costs in the UK differ depending on which private hospital you have treatment at, what type of medical treatment you are having, and which consultant is looking after you.

You can either pay for private medical treatment using private health insurance, or you can pay for your own treatment (self-pay). If you choose self-pay, you can take advantage of our flexible payment options, which allow you to spread the cost, so it’s more affordable.

How do I get a private health check?

It’s very easy to get a private health assessment with Circle Health Group. We offer various levels of health screening, so that you can choose the checks and tests that are most appropriate for you.

Health checks are a very affordable way to access the benefits of private healthcare. They can highlight health problems in their early stages, even preventing certain issues before they start.

You don’t need to be referred by your GP in order to get a private health check. Just give us a call and we’ll get you booked in at your local Circle Hospital.

Book a private health check.

Do I need private medical insurance?

You don’t need private health insurance to access private treatment at Circle Health Group. All of our consultants, hospitals and services are completely available to people who are paying for their own treatment.

Many people choose not to have private health insurance and instead just pay for treatment as and when they need it, using our pay-as-you-go option, also known as self-pay.

Find out more about using self-pay.

Who offers the best private healthcare (UK)?

At Circle Health Group, we strive to offer the best private healthcare in the UK. We are currently investing millions of pounds into our staff and our hospitals, boosting everything from our facilities and technology to our training programmes. We are committed to being the best we can be, offering the best care and the best patient experience we possibly can.