How to Finance Your Private Healthcare – Payment Plans & Options

Private healthcare offers faster treatment, expert consultants, and no NHS waiting lists—but many people worry it’s out of reach financially.

The truth? Private treatment is more affordable than you might think. Whether you're paying for a one-off consultation, scans, or surgery, there are now flexible finance options that put private healthcare within reach.

Here’s how you can fund your private care—even without insurance—and how Santus makes it easier.

Option 1 – Self-Pay in Full (Pay As You Go)

This is the simplest route. You pay upfront for:

✅ A private consultation
✅ Any recommended scans or blood tests
✅ Surgery or treatment, if needed

🧾 Common prices (2025 average):

MRI Scan – £350 to £600
Specialist Consultation – £200 to £400
Cataract Surgery – £2,500 to £4,000
Hip/Knee Replacement – £10,000 to £15,000

💡 Santus shows self-pay pricing before you book—no surprises, no hidden fees.

Option 2 – Fixed-Price Packages

Many private hospitals now offer bundled treatment packages for popular procedures. These include:
✅ Consultation
✅ Scans/tests
✅ Surgery & aftercare

🎯 Ideal for patients looking for all-inclusive care at a fixed cost.

Example: “Self-pay knee replacement package from £11,000”
Santus will highlight available packages where applicable—so you can compare and book instantly.

Option 3 – Monthly Payment Plans

Don’t want to pay everything upfront? Many providers offer 0% or low-interest finance.

💷 Finance example:

ADHD Assessment (£1,800) → £150/month for 12 months
Cataract Surgery (£3,000) → £250/month for 12 months

✅ No medical insurance required
✅ Fast approval
✅ Spread the cost with fixed monthly payments

How Santus Makes Financing Easy

✅ Upfront pricing on all consultant profiles
✅ Filter by payment plan availability
✅ Compare treatment packages from leading private hospitals
✅ No upfront subscription or hidden fees

Whether you’re paying out-of-pocket or looking for a flexible way to spread costs, Santus supports your budget every step of the way.