Terms and Conditions

The Terms & Conditions set out below along with those written in your quotation letter are the terms upon which treatment will be provided to you at a Ramsay Health Care UK (Ramsay) hospital or clinic (Hospital). Please read them carefully and raise any questions you may have before you sign the quotation letter agreeing to be bound by these terms.

Ramsay may update these terms from time to time. Updated terms will only apply to new episodes of care and your terms will remain unchanged if you are part way through an episode of care.

The consultants involved in your care are not employed by Ramsay, so you will also have a separate agreement with them. If you are unsure about how your agreement works, please ask. Consultants are required to provide information on their fees ahead of any treatment. In some situations, the Hospital will provide this information on the consultant’s behalf; however this remains the responsibility of the consultant concerned.

The following sections set out the Terms and Conditions that apply if you are funding your own treatment.

Please refer to the section that applies to you.


Self Pay – Outpatient appointments and treatment

The cost of your initial outpatient consultation will not be included in any package provided by Ramsay. Please refer to your consultant who will provide you with the fees associated with their consultation.

In addition to the fee for your consultation, there will be a fee payable to the Hospital for any diagnostic tests or treatment carried out during or following your consultation. Please ensure you are aware of the fees involved in advance and if you are not sure, please ask your consultant or staff at the Hospital.

Please find a copy of our outpatient terms and conditions here.


Self Pay – TotalCare Pledge

This section applies if you have been provided with a fixed cost quotation letter under our TotalCare Pledge.

TotalCare has been designed to provide a clear and inclusive price for a set package of care. The TotalCare Pledge will be offered to you following an initial consultation with a consultant practicing at a Ramsay Hospital and once the consultant and Ramsay are satisfied that you have no pre-existing medical conditions that may alter your care pathway. You may have been provided with a guide price prior to your consultation and although we aim to provide an accurate estimate of costs at that stage, it is only after your consultation that a formal quotation price will be offered and this will be valid for 60 days.

It is essential that all information provided by you to your consultant and in your medical questionnaire is accurate because non-disclosure of information may invalidate your agreement with us. We will also undertake a clinical pre-assessment prior to your admission to ensure we are able to treat you at a Ramsay Hospital.


TotalCare Pledge inclusions (unless stated otherwise)


Ramsay Weight Loss Service additional inclusions:


TotalCare Pledge exclusions (unless stated otherwise)


Self Pay - Hospital Fee Assured. This section applies if your consultant does not offer a TotalCare Pledge.

TotalCare Pledge Terms and Conditions will apply except for all consultant fees, which will be payable separately. Your quotation will include an unlimited aftercare pledge, however consultant fees will be payable separately. Your consultant will provide information regarding their fee and where subsequent treatment is required, they will detail their associated fees prior to any treatment.

The hospital may agree to collect the fees on the consultant’s behalf, if this is the case, you will be made aware of this.


Self Pay – Pay As You Go.

This section applies if you have seen a consultant and you are not suitable for our TotalCare Pledge; or are being admitted for medical care (i.e. not procedure related); or we are unable to offer you the TotalCare Pledge following pre-assessment. This may be due to the procedure required or a pre-existing medical condition.

Ramsay will provide an estimate of your Hospital treatment costs based on the information provided in your medical questionnaire and by your consultant.

The estimate price will factor in the expected length of stay; the anticipated theatre time and any prosthesis/implant required, as well as the level of care you will likely require. During your stay, you will be provided with an ongoing account of fees incurred.

Additional critical care charges, including any transfers to NHS critical care facilities are not included in the estimate and will be invoiced to you.

Please note that your consultant will invoice for their care separately. Should you require the services of an anaesthetist or another consultant during your pathway, you will be also be invoiced for their services separately.

You will be required to pay the estimated price in advance, in line with the payment terms outlined below.


Price Match Pledge

Where you have received a lower quotation (not a guide price or estimate) from another healthcare provider, Ramsay may be able to match the price. To qualify for our Price Match Pledge the quotation must be:

Excludes all diagnostic services such as MRI, CT, X-ray, histology and pathology. Only one Price Match application can be made per procedure and your choice of consultant may be affected.


Treatment outcome

• If the outcome of your treatment does not reasonably conform with the representations made to you by your consultant; and you, your consultant and the Hospital Director are in agreement that a corrective procedure is required; this will be performed. In the event of disagreement on the outcome of your original treatment, a second opinion may be obtained from an independent consultant at another Ramsay Hospital whose decision shall be final and binding. The cost of the second opinion shall be borne by you and shall be charged at the consultant’s standard rates



You are required to pay the full amount detailed in your quotation letter 10 days prior to admission. If your admission is scheduled less than 10 days in advance, you are required to pay within 24 hours of receiving the quotation. You will not be admitted to any Hospital until funds have cleared

If you are being treated under the Pay As You Go Terms and Conditions, you will be required to pay your estimated Hospital fee 10 days prior to admission. If the length of your stay is extended or you incur additional charges not included in your estimate, you will be required to make additional periodic payments during your stay; and any outstanding charges are to be paid on your discharge from Hospital. Where your consultant invoices you separately, their terms and conditions will apply to the services they provide.

Payment can be made via Debit or Credit Card (other than American Express) or via bank transfer.



Ramsay have arranged for Chrysalis Finance (https://chrysalisfinance.co.uk/contact/) to offer payment options for your treatment. Ramsay can provide you with contact details for Chrysalis Finance but we cannot offer you advice or assess your eligibility for their products.

You can apply direct to Chrysalis Finance following your initial consultation once you have received a quotation letter.


Emergency Admissions – Outside of standard office hours

If you are admitted as an emergency patient, you will not have had the opportunity to obtain a quotation for the cost of treatment in advance, however every effort will be made to provide an estimate of costs as soon as possible. You will be treated under the ‘Pay As You Go’ Terms and Conditions, and you will be required to make an initial payment on account of £5000. This will be reviewed on the next working day by the business office team. Any overpayment will be refunded to you, and an estimate of ongoing costs will be provided. Where your consultant invoices you separately, their terms and conditions will apply to the services they provide.


Cancellation Fees Outpatient cancellation

Your outpatient consultation is carried out under an agreement between you and your consultant. Please refer to your consultant for the relevant cancellation fees. You may be required to pay for your consultation at the point of booking and non-attendance could result in a fee.


Outpatient treatment

If you have been booked for an outpatient procedure or diagnostic test at the Hospital, the cancellation fees will be the same as those outlined below for cancellation of self pay treatment.


Cancellation of Self Pay Treatment

The cancellation fee will depend on the reason for cancellation and the notice period given.


Rescheduling Treatment