BMI Card
The 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 Option fixed price packages 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 below before you download the application form.
BMI Card Terms and Conditions
Credit Agreement regulated by the Consumer Credit Act 1974
This is a copy of your agreement for you to keep. It includes a notice about your cancellation rights, which you should read.
Financial details
We will determine the credit limit from time to time and give you notice of it. You must make the minimum payment to us each month as follows:
Amount of payment 5% of the outstanding balance shown on the statement, or £25, whichever is greater, (or the outstanding balance shown on the statement if less than £25);
Time of minimum payment
within 25 days starting with the statement date.
Interest rate 0.79% per month, typical APR 9.9% variable, except as below.
We calculate the APR without taking account of any variation that may occur under the Agreement of the rate or amount of interest. We may vary the rate or amount of interest by giving you at least seven days' notice in writing, to reflect any change that has happened, or that we reasonably expect to happen in the near future, in:
- interest rates on credit card accounts generally or those similar to the Account;
- interest rates we pay to any of our funders or creditors;
- our administrative costs; or
- risks of shortfalls on credit card accounts generally or those similar to the Account, whether among borrowers generally or among our borrowers; or
- to adjust our interest rate structure to maintain a prudent level of profitability.
The interest rate and APR for any Purchase will be 0% for the first six months starting with the date of debiting the Purchase to the Account.
Definitions
- 'Account' means any account held in your name under the Agreement.
- 'Card' means any card issued under the Agreement and, where the context allows, the Account number.
- 'Cardholder' means the person for whose use a Card is issued.
- 'General Healthcare Group' means us, our subsidiary and parent undertakings,and any subsidiary undertakings of any of our parentundertakings, from time to time.
- 'Purchase' means any payment by means of a Card.
- 'Scheme Member' means any person who, under arrangements with us, accepts the Card as payment for goods, services and other items.
- 'We', 'us', 'our', 'ours', 'ourselves' means BMI Healthcare Limited, and any person to whom its rights and/or duties under the Agreement have passed or are agreed to pass.
- 'You, your' means the person who signs the Agreement as Customer.
2. Card issue
By signing the Agreement, you ask us to issue a Card, and any additional, renewal and replacement Card. The Agreement is made when it is signed by you and on our behalf. You must be aged 18 years or over.
3. Additional card
We may issue an additional Card only if you and the person you nominate as an additional Cardholder sign a request. You will be responsible for any additional Card and for any indebtedness arising from its use as if the Card were issued for your use. If you ask, we will suspend an additional Card.
4. Card care
4.1 If we issue a Card for your use, you must sign the Card promptly on receipt, keep the Card secure at all times, and not allow the Card to be used by another person.
4.2 If the Card is lost or stolen or may be misused, you must tell us promptly by telephoning BMI Card Department, BMI Healthcare Limited, 020 7009 4560 between 9.00am and 5.30pm, Monday - Friday except bank and public holidays. If we ask, you must confirm this in writing to BMI Card Department, BMI Healthcare, PO Box 4254, London W1A 6SS. You must give us all relevant information, and take reasonable steps to help us recover a missing Card.
4.3 If we issue an additional Card, you must take reasonable steps to ensure that the Cardholder does the same in relation to the additional Card issued for his or her use.
5. Scheme member
The Card (or the Account number, where our arrangements with the Scheme Member allow) may be used only as payment to the Scheme Member for goods, services or other items in connection with medical treatment.
6. Credit limit
The outstanding balance on the Account must not exceed the credit limit. If it does, you must pay us the excess promptly after we ask you to do so. This payment is in addition to the minimum payment in the Financial Details above.
7. Card validity
The Card must not be used before or after the period for which it is stated to be valid, or after we suspend or recall the Card, or after the Agreement ends.
8. Your responsibilty to pay
You must pay us the amount of Purchases, interest and charges under the Agreement even if, for any reason:
a. the Card is used in breach of condition 5, 6 or 7;
b. the Cardholder has not signed (or given other authentication) for the Purchase; or
c. we have not debited the amount to the Account or paid the Scheme Member; except as in the notices below.
9. Account
9.1 We will debit to the Account:
a. Purchases normally within one working day after the Purchase date; and
b. interest and charges on or around the 16th of the month.
9.2 We will credit to the Account:
a. payments by you when the payment clears; and
b. refunds by us and refunds by the Scheme Member, promptly after we receive satisfactory evidence for
9.3 Payments by you will take effect when the payment clears. We will process payments by you promptly.
