BMI Card

Helping you manage the cost of private medical care

The BMI Card is a unique credit card that allows you to spread the cost of health care, allowing you or your family to benefit from treatment at your chosen BMI hospital at a time convenient to you.

Designed to meet your needs
If you need an operation but do not have private medical insurance, most BMI hospitals offer a Self Pay Surgery scheme that will include the consultant surgeon and anaesthetist fees. If the consultants charge separately, these amounts may be debited to your BMI Card account, by prior arrangement with your chosen BMI hospital.

If you have private medical insurance, the BMI Card will allow you to manage the costs of treatment not covered by your insurance, which might be, for example, health screening, maternity care or cosmetic surgery.


Six months' interest-free credit for health care purchases
Your minimum payment each month is 5% of the outstanding balance shown on the BMI Card statement, or £25, whichever is greater, (or the outstanding balance shown on the statement if less than £25). If the purchase is paid in full within six months, it will be entirely interest-free.

Attractive interest rate
The interest rate and APR for any health care purchase will be 0% for the first six months starting with the date of debiting the purchase to your account. Thereafter, interest will be charged on the remaining balance of the account at a current rate of 0.79% per month typical APR 9.9% variable.

Choice of credit limit
You may choose your credit limit up to a maximum of £12,000. This facility is limited to applicants aged 18 years or over and living in England, Wales or Scotland, and is subject to normal credit checking procedures and our conditions below.

With your permission, we will contact your bank or building society, which must be inside the European union, for a reference and to confirm your name and address. BMI Healthcare reserves the right to refuse any application at its absolute discretion.


No annual charge
The BMI Card has no annual charge or membership fee.


Your security
The Credit Agreement is regulated by the Consumer Credit Act 1974. A written quotation is obtainable on request.

How to apply
To apply for your BMI Card, simply complete the Credit Agreement and bank/building society reference form, and return them to: BMI Card Department, PO Box 4254, London W1A 6SS.

Applications of up to £7,000 can be approved within 48 hours of receipt of the signed agreement. Amounts over this can take up to 2-3 weeks to process and please allow postage time in addition.


BMI hospitals across the UK

BMI Healthcare is a group of 49 acute care private hospitals around the United Kingdom with over 2,400 beds. Handling over 250,000 inpatient and 750,000 outpatient visits each year, over a third of the procedures undertaken for patients are of a major or complex nature. As a matter of policy, BMI Healthcare hospitals undertake all of their work to at least the standards set under relevant regulations and guidelines, which are at least the same standards required of the NHS. Each hospital has an experienced doctor on site 24 hours a day to support patient care, and a fully qualified nursing, clinical and support team plus diagnostic and treatment technology relevant to the patient procedure undertaken.

If you wish to apply for a BMI Card you must read the terms and conditions before you download the application form.

Download a BMI Card application form