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What do I need to know about the BMI card?

We want to make it as easy as possible for you to find the information you need, so we've gathered a list of frequently asked questions about our BMI Card.

The BMI Card is a credit card that allows you to spread the cost of your treatment in a convenient way.The BMI Card can be used to pay for treatment at any BMI Healthcare hospital or treatment centre. It can be used once or as many times as you need to (subject to available credit).

Our card allows you to choose a credit limit that suits your circumstances – up to £20,000 (subject to status) – and 12 months’ interest-free payment terms from the date of the first charge placed on your account.*

*BMI Card is a credit facility offered by BMI Healthcare Limited,1st Floor, 30 Cannon Street, London, EC4M 6XH. Representative example - 0% interest for 12 months then 0.79% per month, representative 9.9% APR variable. Up to £20,000 available (subject to status). Monthly repayment 5% of balance or £25 whichever is greater or balance if lower than £25.
See the full terms and conditions.

There are two ways to apply for a BMI Card:

1. Download the BMI Card application form. Once completed please send it to us:

  • By email: [email protected]
  • By post: BMI Business Services, Park Square, Bird Hall Lane,Cheadle, SK3 0XN

2. Over the phone: 
Call us on 0161 216 2500 and select option 1. The team will be happy to post an application form to you or deal with any queries you have relating to the BMI Card.

All applications are based on both a thorough credit and affordability check. Applications can be approved within two working days upon receipt of the fully completed application, signed credit agreement and proof of income (where required).

The BMI Card can be used to pay for most treatment at BMI Healthcare for anything from health assessments to surgical procedures. It can also be used to pay for any insurer shortfalls or provide you with access to services not usually covered by insurance such as fertility treatment.

Please note that some consultants do not accept payment via the hospital and ask to be paid directly. If this is the case, you will be unable to use the BMI Card to pay for these fees. Please get in touch with our advisors if you require more information..

The BMI Card cannot be used to pay for any fees due directly to a consultant or for any sundry items, such as newspapers and meals.

All BMI Card applications must be completed and signed by the person who is going to be using the card to pay for the treatment and will be liable for the repayments thereafter;  this doesn’t have to be the person who is going to be receiving the treatment.

Applications are assessed based on the details provided by the applicant and the checks performed by the BMI Card Team. If the card is going to be used by another person they can be added as an additional cardholder but will not be considered in the application process.

Yes, we aim to process applications within two working days. Please let us know if your application is urgent and we can look to fast track it for you.

You can spread the cost of your treatment for as long as you need to thanks to our flexible financing. Just keep on making monthly payments of 5% of the balance or £25, whichever is greater, until you clear your account in full.

After 12 months, interest reverts to 0.79% per month, representative 9.9% APR variable. The interest rate and APR for any healthcare purchase will be 0% for the first 12 months starting with the date the purchase is debited to your account. Thereafter, interest will be charged on the remaining balance of the account – current rate 0.79% per month, representative 9.9% APR variable.

Please note that each individual purchase debited to your account will be subject to the 12 month interest free period from the date of the purchase.

The minimum amount you can apply for is £1,000. All applications will be rounded up to the nearest £1,000. The BMI Card can be used for treatment up to a maximum of £20,000 (subject to status).

Applicants must be at least 18 years of age.

Yes, finance is provided and managed by BMI Healthcare.

The BMI Card does not require a deposit in order to provide you with the finance you need for your treatment. There are also no annual charges or membership fees associated with the card.

Monthly statements will be posted to you detailing the balance of your account and the minimum payment required. Failure to meet the required repayments may result in your account being sent to a debt collection agency and may affect your ability to obtain credit in the future.

Yes, all applications received will be considered based on a thorough credit and affordability check.

Repayments can be made in the following ways:

  1. Online: pay your bill here
  2. Direct Debit or Standing Order: each application contains a direct debit mandate that can be completed and sent along with your application. Alternatively a standing order can be set up with your bank.
  3. Over the phone: please call the BMI Card Team on 0161 216 2500 and select option 1 and then option 2.
  4. Cheque: please make cheques payable to BMI Healthcare. Please provide your BMI Card number on the back of your cheque and send to:

    BMI Business Services, Park Square, Bird Hall Lane, Cheadle, SK3 0XN

Your BMI Card will expire after two years from the date the card’s account was created.

Your BMI Card can be closed prior to its expiry providing the balance has been cleared in full, please contact the BMI Card Team to arrange this.

Ways to pay

credit card

Pay for yourself

Pay for yourself with our fixed price packages. This includes your pre-assessment, treatment, follow-ups and six months of aftercare.

Find out more


Pay with health insurance

We are widely recognised by health insurers. Ask your insurer about your cover and for an insurer pre-authorisation code.

Find out more

direct debit

Spread the cost

Pay for yourself with monthly repayments spread over 12 months, interest-free (terms and conditions apply)

Find out more

General Enquiries