Self-funded care

Self-funded care

Private hospital treatment without health insurance.

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If you do not have private health insurance we can assist you to access appropriate treatment at a St John of God Health Care hospital of your choice through our 'self-funded care' option.

This is a simple process where you pay in advance from your own pocket or with the support of one of our payment providers (available at some hospitals).

By choosing to self-fund your care you will receive comprehensive private hospital care with:

  • Quick access, avoiding any public hospital waiting lists
  • Your choice of specialist who cares for you from your initial consultation through to surgery, in hospital and beyond
  • Your choice of location

How do I self-fund my treatment?

Step 1

1. General Practitioner
See your General Practitioner (GP) and get a referral to see the specialist of your choice.

Step 2

2. Book appointment
Book an appointment with your specialist and check that they offer self-funding.

Step 3

3. Estimates
Request up-front estimates of the costs involved with your treatment from your specialist doctor, chosen hospital or other provider such as an anaesthetist.

Step 4

4. Book surgery
Book your surgery with your specialist.

Step 5

5. Preadmission forms
Complete the hospital preadmission forms (or online forms).

Step 6

6. Payment
Choose your payment method and pay your cost estimate prior to admission.

Step 7

7. Admission
Arrive at hospital for admission, treatment and stay.

Step 8

8. On or after discharge
On your day of discharge, or shortly afterwards, any refunds or additional costs are processed.

Step 9

9. Support
Follow up support can be provided by your specialist or the hospital admissions team.

Common FAQs about self-funded care

Here are some answers to common questions about self-funding medical or surgical care in a private hospital.

Every patient is different but some of the costs involved with treatment in hospital may include:

  • the surgeon and anaesthetist fees
  • general hospital care such as nursing, operating theatre, prosthetics, accommodation, dressings and in-room meals
  • medications
  • blood tests and diagnostic imaging (scans).

You may need to request separate estimates for each of these costs, and make separate payments.

If you hold a valid Medicare card, you may also be entitled to claim some money back. Your specialist and the hospital admissions team will advise before treatment if you are eligible to claim.

There may be some circumstances where the cost of your treatment and care is different to the amount you were estimated and paid upfront prior to admission. This could occur if your needs change during surgery or if you require additional or less time in hospital to recover.

Any additional costs will be discussed with you including the reasons these costs were incurred and the options for payment. Any adjustments or refunds will be processed on your day of discharge, or shortly afterwards.

Many specialist doctors offer the self-funding option for patients who don't have health insurance but it is best to confirm this when you make your initial appointment with the doctor.

For a full list of our specialist doctors visit our Find A Specialist online service.

For more information or to discuss with the hospital, please contact the admissions team at your hospital.

Rachel's story of self-funded care

"Being able to self-fund my care through the private hospital meant I didn't need to wait for surgery and could choose my surgeon who I have complete faith and trust in."