It simply means you're choosing to cover the cost of your treatment yourself - without using private health insurance. 

Absolutely. We'll provide you with a clear, written estimate so you know what to expect.  

Your estimate covers: 

• Private hospital room with meals and hospital charges
• Theatre fees
• Standard Prosthesis and disposables
• Surgeon fee 
• Anaesthetist fee
• Inpatient imaging and pathology (please note additional costs may apply if you are Medicare Ineligible)
• Inpatient and discharge pharmacy (please note additional costs may apply if you are Medicare Ineligible)
• Pre-operative consult (urology only)
• Post-operative consult with specialist (if one is deemed necessary by the treating specialist).
• Any complications within 28 days of original procedure directly related to the original procedure (this includes staying longer than anticipated and, readmissions)

Exclusions 

• Any costs for consequential or additional medical treatment which is different from but consequential to the original procedure or hospital admission.
• Any costs for new medical treatment different from the original procedure or hospital admission
• Any costs for complications  not directly related to the original procedure
• Any post-op with specialist not deemed necessary plus consults with GPs
• Any hospital, medical, imaging, pathology or pharmacology costs arising in connection with the hospital admission which is not directly related to the original procedure

Yes, you can choose from any of the participating specialists and if you have no preference, we will allocate one for you based on your requested timing of surgery and availability of surgeon.

You will be covered for any directly related clinical complications that arise within 28 days following your original procedure. This includes the cost of readmission, critical care management or additional bed days that are deemed necessary by your treating specialist and are directly related to your initial self-funded surgery. Please note that coverage applies only to complications directly related to the original procedure, and not to unrelated or new medical issues that may arise independently within the same period. 

Payment is required prior to your admission, based on your estimate. We offer flexible, secure payment options including credit card, EFTPOS, and bank transfer.  

If you are Medicare eligible you should be able to claim Medicare for specialist fees. The specialist will claim these on your behalf, and you should receive rebate back in your nominated bank account listed with Medicare. If you haven't received refund after 30 days, you can follow up the admin team to see if the claim has been submitted. 

If any additional procedures are required that are not directly caused by initial procedure, additional costs will apply. A new IFC will be issued. 

Yes, you'll need a referral from your GP to book treatment. This helps ensure your care is clinically appropriate and properly planned. Please obtain a referral for your preferred participating specialist or an open referral from your GP if you do not have a preferred specialist.  

You can cancel or reschedule- just give us as much notice as possible.   

If you get private health insurance after being admitted, it usually won't cover your current admission. You should confirm coverage with your insurer before admission if you plan to use. 

Currently, we do not offer in-house payment plans. However, patients may be eligible to apply for the early release of superannuation on compassionate grounds to cover the cost of medically necessary treatment. 

This process is managed by the Australian Taxation Office (ATO) and is subject to strict eligibility criteria and supporting documentation requirements. We recommend reviewing the guidelines on the ATO website to determine eligibility and understanding the application steps. 

Please note that approval is not guaranteed, and the process is external to Ramsay. We are happy to provide any required supporting documentation related to your request. 

Will depend on surgeon availability. If you have no surgeon preference there will be more flexibility around availability.  

Our Patient Accounts Team is here to help! Whether it's payment options, quotes, or understanding your bill, we're just a phone call or email away.  

Ramsay Patient Accounts Team 

Phone: 02 9433 3552

Email: SelfFundedPackages@ramsayhealth.com.au  

We're here to help you make confident decisions about your health. Reach out today to speak with our friendly admissions team.