There are two ways to pay for your treatment, consultation or test, depending on whether you have health insurance or not.

Patients with and without insurance will have to follow slightly different payment processes, as explained below:

Saint James Hospital is recognised by every major insurer which provides health insurance coverage. If you have a valid health insurance policy, you will be asked to provide your health plan to cover details to our Bookings Office prior to your admission.

Normally, the insurance company will settle your account directly with us, though sometimes, they may ask you to pre-pay, and then reimburse you. Your insurance company will advise you accordingly.

Some insurers do not pay for personal costs such as guest meals or cover the cost of implants or mobility aids such as crutches, splints, neck or knee braces. Please make sure to check the level of your policy cover in advance and do not hesitate to ask us should you need any help with this.

Kindly note that in the event that your insurer declines or delays part or full payment, the invoice will be redirected to you for prompt payment.

International patient insurance

Saint James Hospital is recognised by the most renowned international health insurance companies depending on your health insurance plan and level of coverage, your inpatient and treatment costs should be covered by your insurer.

If you do have health insurance, you will be asked to give full insurance details to our Bookings Office prior to your admission. Normally, the insurance company will settle your account directly with us, though sometimes, they may ask you to pre-pay, and then reimburse you.

Your insurance company will advise you accordingly. Some insurers do not pay for personal costs such as guest meals or cover the cost of implants or mobility aids such as crutches, splints, neck or knee braces. Please make sure that you check the level of your policy coverage prior to admission and do not hesitate to ask us if you need any help with this.

Kindly note that should your insurer decline or delay part or full payment, you will be required to pay the invoice directly with the hospital.

If you do not have health insurance, payment for any service provided is required prior to leaving the hospital.

How to make a payment

Various payment options are available, and our members of staff will be more than happy to discuss these with you.

You will be asked to place a deposit prior to your admission and to settle the outstanding sum when you are discharged. Alternatively, you may opt to settle the entire balance before admission.

The type of payment arrangement will depend on the type of procedure and length of stay you require. We will keep you updated throughout your admission of any accumulating costs. Overpayments will be refunded.

What about specialists’ fees?

Specialists’ fees are separate from the hospital charges. Your specialist may require you to settle these directly.