Insured Patients

Insured Patients

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If you have private medical insurance, why not ask your GP to refer you to a Ramsay Healthcare Hospital?

Using your private medical insurance will enable you to benefit from the following: 

  • Fast referral and an appointment time to suit you
  • Your own choice of consultant
  • Supporting the NHS by saving them time and resources
  • Priority referral to treatment
  • Fast tracked admission
  • Single room accommodation with private en-suite bedrooms for overnight stays
  • Individual Physiotherapy sessions

How to receive a GP referral

Ask your GP to refer you to Fulwood Hall Hospital. In order to refer you, your GP will need to write a letter of referral. If you wish to see a particular Consultant the GP can name them on the referral. Otherwise the GP can send a referral without a Consultant named and our clinical team will ensure you see a Consultant suitable for your condition - some insurance policies only enable you to see certain Consultants so it may be quicker if your referral is sent without a Consultant named. You can be assured that all of our Consultants are fully qualified and experienced with annual appraisals and peer reviews held to maintain high standards of care. The hospital will contact you to arrange your first out-patient appointment. We can assist you with any aspect of your private treatment from payment options, insurer authorisation to special requests during your stay.

Insured Outpatients


If you are insured, it is necessary that you gain authorisation from your insurance company, prior to attending the hospital for consultation and possible diagnostic tests during your visit. Please confirm with your insurance company if there is an excess to pay.

Your insurance company will tell you whether your policy will cover the treatment and how to make a claim. So that we can settle your account directly with your insurance company, we will need the following information upon your arrival at the hospital:

  • Name of the insurance company
  • Registration number
  • The scale or level of your insurance cover
  • Corporate/Company scheme details
  • Claim number or authorisation code

You may also be required to complete a claim form.

Ramsay hospitals operate a direct link with BUPA, BUPA International, AXA PPP, Standard Life, Aviva, CIGNA, Helix, Exeter Friendly, Simply Health, WPA, and Prudential. Accounts to these insurers can be electronically transmitted.

BUPA patients: Please ring direct line 0845 609011 for an authorisation number. You will not need a claim form unless you are part of a corporate policy.

For all other insurers: Please refer to your Insurance Company for guidance.

Insured Inpatients


If you are being admitted to the hospital for treatment, it is important that you tell your insurers of the proposed admission date and treatment necessary. 

Claim forms: Some insurance companies require the claim form to be completed by both yourself and either your GP or specialist (Consultant). Wherever possible a claim form must be completed before or on admission.

There will usually be three invoices unless you have agreed a Fixed Cost Care package inclusive of all fees.

  • One from the hospital
  • One from the Consultant Surgeon/Physician
  • One from the Consultant Anaesthetist unless your hospital charges on behalf of the Consultant.

These invoices will normally be sent (if applicable) with your claim form (if required) to your insurance company. However some Consultant Surgeons and Consultant Anaesthetists are self accounting. This means they may sometimes send their invoice direct to your home address. Please forward these to your insurers. All charges are pre-agreed with your insurance company and therefore copy invoices are not normally sent to you by the hospital.

Finance Available

  • Loans for full cost of treatment
  • Straight forward application process
  • Prompt decisions
  • Payments made direct to hospital
  • Interest-free loan plan
  • Administration fee of £95
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Great Benefits

  • Your choice of consultant
  • Appointments in as little as 72 hours
  • A single point of contact
  • Matron and consultant-led care
  • A range of payment options
  • Individual physiotherapy sessions
  • Priority discharge
  • Freshly prepared menu
  • Private en-suite rooms*
  • Aftercare packages
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