Making finance and insurance arrangements simple
The Lister Hospital caters for people paying for their own treatment, sponsored by their company, organisation or embassy, or those with private medical cover from all major insurance companies.
Insured patients
The Lister Hospital has agreements covering most UK medical insurance schemes. However, you should always check with your insurer before embarking on any form of medical treatment. Our pre-admission confirmation makes sure that the whole process is smooth and simple. We will tell you precisely what is included and what is additional to your cover. Paperwork and administration are reduced due to our direct electronic links with the major medical insurers.
Self-funding patients
We require payment in full or a deposit at or before the time of treatment for self-funding patients. The hospital may require further payments on account with payment of the balance in full on discharge. The value of the deposit will vary with treatment and is at the discretion of the hospital providing treatment. Organising payment in advance of your treatment will save time on the day of admission. Quotations or estimates given by individuals or groups not in the hospital employment are not valid unless confirmed in writing by the hospital. Hospital prices are normally subject to annual review.
Packaged accounts
Packaged accounts are billed as a one line bill; prices are normally discounted and assume a routine stay without medical complications. They are offered on the basis that an advance deposit is paid and full payment is made on or before the day of discharge. Please read the details of your particular agreement.
Ensure you understand what's not included in any package price. If there are any complications which lead to an extended stay in intensive care, an addition to the agreed number of nights of the package, return visits to the theatre or special nursing requirements etc, the hospital management reserves the right to re-bill on an item of service basis.
Your agreement may involve separate charges for histology tests, physiotherapy aids or take-home medication and high cost items like prosthesis, as these items are individual to each patient and are specified by your doctor. If in doubt please ask a member of the Patient Administration Department. Any charges not included in the package price will attract additional costs that you will be required to settle. We do not want you to have any unpleasant surprises in relation to the account.
Accounts not settled on departure may not qualify for discount and may be rendered in full.
Making payments
Payment may be made by Debit or credit card, we accept most major credit or debit cards. We may ask for your card details on admission to cover personal expenses. Your card will be debited for outstanding charges on or shortly after the day of discharge. The hospital will provide an invoice for all charges made against your card together with your credit card voucher. Cheques are acceptable if they are drawn on a UK bank and should be supported by a valid guarantee card. If paying by cash the cash needs to be in Pounds Sterling. We recommend you visit a bank or exchange to convert any foreign monies prior to admission. A bank transfer can usually generate same day transfers by fax from current accounts on instruction from the account signatory. Please make sure the details include the patient's full name and HCA patient account number, if you have one. Payment should be made payable to our bank.
Payment responsibilities
Our payment terms are strictly net on receipt of invoice; that is payment is due immediately. The hospital policy is to require payment in full at the time of discharge on all accounts not guaranteed by an approved third party. Interest may be charged at the rate of 12% per annum, calculated from the date of discharge or the date of the invoice if an invoice is presented prior to discharge, on all accounts where credit has not been granted and there are delays in payment. Where fixed price, contractual or any other policy discounts have been applied to an account and subsequently the hospital experiences difficulties in collecting the account, the management reserves the right to reverse the discount and to re-bill the account in full. The amount shown as payable on the invoice is net of discounts. Any further collection costs incurred by the hospital (including fees billed by collection agencies, credit reference agencies and solicitors) will be added to the final amount payable.
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