Self-funded care: Private hospital without private health insurance
Source: https://www.sjog.org.au/patients-and-visitors/self-funded-care
Archived: 2026-04-23 17:27
Self-funded care: Private hospital without private health insurance
Skip to navigation
Skip to search
Patients and visitors
Self-funded care
Self-funded care
Private hospital treatment without health insurance.
Self-funded care
Find a specialist
Pay my bill
If you do not have private health insurance we can assist you to access appropriate treatment at a St John of God Health Care private hospital through our 'self-funded care' option.
Self-funding is a simple process where you can pay for private surgeries or treatments in our hospitals, even if you don't have private health insurance. You can also fund your care with the support of a payment provider.
Send an enquiry
Call 1300 940 199
By choosing to self-fund your care you will receive comprehensive private hospital care with:
•
quick access, avoiding public hospital waiting lists
•
your choice of specialist who cares for you from your initial consultation through to surgery, in hospital and after discharge
•
a range of payment options.
What treatments are available?
You can self-fund for any hospital procedure or surgery, but here are some of the more common treatments people self-fund for.
Bariatric surgery
Find out more
Cancer care
Find out more
ENT surgery
Find out more
Eye surgery
Find out more
Orthopaedic surgery
Find out more
How do I self-fund my treatment?
1. General practitioner
See your local GP and get a referral to see the specialist of your choice.
2. Specialist appointment
Find a specialist who offers self-funding and contact them to book an appointment.
3. Get estimates
Request up-front estimates of the costs involved with your treatment from your specialist and St John of God Health Care.
4. Book surgery
Book your surgery with your specialist.
5. Payment
Pay estimated costs.
How to pay for self-funded private hospital care
Patients who choose to self-fund their hospital treatment have a range of payment options.
The hospital component of your self-funded care includes nursing care, theatre, accommodation and any other incidentals – this needs to be paid up front, prior to admission.
Your specialist will advise how to pay for their component of your care and for any other healthcare providers involved in your care such as an anaesthetist.
Hospital costs without insurance
Once you have your estimate for hospital costs, you can pay a lump sum or use a payment plan.
Lump sum payments can be made via our
MyAdmission
website.
More information on billing
.
Payment plans
You may be able to spread the cost of hospital treatment using the patient funding platform TLC. If you choose this payment option, your plan will need to be in place five business days prior to your admission.
TLC (Total Lifestyle Credit) is a third-party that can provide loans for medical fees from $2,000 to $70,000. This can include specialist doctor, anaesthetist, hospital, after-care and pharmaceutical fees.
Interest and limits apply. TLC will discuss your eligibility based on employment and Centrelink status. Insured and self-funded patients may apply.
For further information, visit the TLC website
.
Contact us for an estimate
To get an estimate of private hospital fees for self-funded surgery or treatment at a St John of God Health Care hospital please complete
this form
.
You can also contact our team to get an estimate for self-funded care by telephone on
1300 940 199
between 7.00am to 4.00pm AWST Monday to Friday.
Please note: This is not an emergency telephone number. If you or someone close to you needs urgent medical attention call 000 for emergency services, or contact Health Direct for 24-hour health advice on
1800 022 222
.
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, surgical assistant, and anaesthetist fees
general hospital costs (inclusive of nursing care, theatre, accommodation, and any other incidentals)
medications
blood tests and diagnostic imaging (x-rays and 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 for medical, pathology and imaging bills. 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 up-front prior to admission. This could occur if your needs change during surgery or if you require additional or less time in hospital to recover.
We will outline all expected and potential costs prior to admission. 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 after your discharge.
Many specialist doctors offer a 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 your doctor.
You can search for a doctor who treats self-funded patients on our Find A Specialist service – simply check the ‘treats self-funded patients’ box under ‘more options’.
Search now
.
Blogs about self-funded care
Blog
Private hospital treatment without insurance – what are the costs?
Elizabeth Spaul
Blog
Self-funding your health care so you can choose your specialist and hospital
Elizabeth Spaul
Blog
Private hospital care provides reassurance after cancer diagnosis
Guide to self-funded care
Download or print St John of God Health Care's
guide to self-funded care [PDF]
.
You may be interested in...
Find a specialist who provides self-funded care
Blogs on self-funding private hospital care
Contact St John of God Health Care
We acknowledge the Traditional Owners of Country throughout Australia and recognise their continuing connection to land, waters and community. We pay our respect to them and their cultures and to Elders past and present.
Terms of use
Privacy
Rights & responsibilities
Site map
Skip to navigation
Skip to search
Patients and visitors
Self-funded care
Self-funded care
Private hospital treatment without health insurance.
Self-funded care
Find a specialist
Pay my bill
If you do not have private health insurance we can assist you to access appropriate treatment at a St John of God Health Care private hospital through our 'self-funded care' option.
Self-funding is a simple process where you can pay for private surgeries or treatments in our hospitals, even if you don't have private health insurance. You can also fund your care with the support of a payment provider.
Send an enquiry
Call 1300 940 199
By choosing to self-fund your care you will receive comprehensive private hospital care with:
•
quick access, avoiding public hospital waiting lists
•
your choice of specialist who cares for you from your initial consultation through to surgery, in hospital and after discharge
•
a range of payment options.
What treatments are available?
You can self-fund for any hospital procedure or surgery, but here are some of the more common treatments people self-fund for.
Bariatric surgery
Find out more
Cancer care
Find out more
ENT surgery
Find out more
Eye surgery
Find out more
Orthopaedic surgery
Find out more
How do I self-fund my treatment?
1. General practitioner
See your local GP and get a referral to see the specialist of your choice.
2. Specialist appointment
Find a specialist who offers self-funding and contact them to book an appointment.
3. Get estimates
Request up-front estimates of the costs involved with your treatment from your specialist and St John of God Health Care.
4. Book surgery
Book your surgery with your specialist.
5. Payment
Pay estimated costs.
How to pay for self-funded private hospital care
Patients who choose to self-fund their hospital treatment have a range of payment options.
The hospital component of your self-funded care includes nursing care, theatre, accommodation and any other incidentals – this needs to be paid up front, prior to admission.
Your specialist will advise how to pay for their component of your care and for any other healthcare providers involved in your care such as an anaesthetist.
Hospital costs without insurance
Once you have your estimate for hospital costs, you can pay a lump sum or use a payment plan.
Lump sum payments can be made via our
MyAdmission
website.
More information on billing
.
Payment plans
You may be able to spread the cost of hospital treatment using the patient funding platform TLC. If you choose this payment option, your plan will need to be in place five business days prior to your admission.
TLC (Total Lifestyle Credit) is a third-party that can provide loans for medical fees from $2,000 to $70,000. This can include specialist doctor, anaesthetist, hospital, after-care and pharmaceutical fees.
Interest and limits apply. TLC will discuss your eligibility based on employment and Centrelink status. Insured and self-funded patients may apply.
For further information, visit the TLC website
.
Contact us for an estimate
To get an estimate of private hospital fees for self-funded surgery or treatment at a St John of God Health Care hospital please complete
this form
.
You can also contact our team to get an estimate for self-funded care by telephone on
1300 940 199
between 7.00am to 4.00pm AWST Monday to Friday.
Please note: This is not an emergency telephone number. If you or someone close to you needs urgent medical attention call 000 for emergency services, or contact Health Direct for 24-hour health advice on
1800 022 222
.
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, surgical assistant, and anaesthetist fees
general hospital costs (inclusive of nursing care, theatre, accommodation, and any other incidentals)
medications
blood tests and diagnostic imaging (x-rays and 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 for medical, pathology and imaging bills. 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 up-front prior to admission. This could occur if your needs change during surgery or if you require additional or less time in hospital to recover.
We will outline all expected and potential costs prior to admission. 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 after your discharge.
Many specialist doctors offer a 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 your doctor.
You can search for a doctor who treats self-funded patients on our Find A Specialist service – simply check the ‘treats self-funded patients’ box under ‘more options’.
Search now
.
Blogs about self-funded care
Blog
Private hospital treatment without insurance – what are the costs?
Elizabeth Spaul
Blog
Self-funding your health care so you can choose your specialist and hospital
Elizabeth Spaul
Blog
Private hospital care provides reassurance after cancer diagnosis
Guide to self-funded care
Download or print St John of God Health Care's
guide to self-funded care [PDF]
.
You may be interested in...
Find a specialist who provides self-funded care
Blogs on self-funding private hospital care
Contact St John of God Health Care
We acknowledge the Traditional Owners of Country throughout Australia and recognise their continuing connection to land, waters and community. We pay our respect to them and their cultures and to Elders past and present.
Terms of use
Privacy
Rights & responsibilities
Site map