Care now, pay smarter at Self Pay Surgery.

Download the Openpay app today.

Care today. More time to pay.

Openpay is a digital payment solution that allows eligible patients to spread the cost over 6-24 months, for treatment costs up to $20,000.

With greater choice and payment flexibility, approved applicants can access the private hospital treatment they need, without the stress of managing unexpected or large lump sum bills.

Why choose Openpay?

zero interest

No interest.

Pay no interest. Plus no hidden fees.

Fast approvals

Fast approvals.

On the spot approvals to fast-track your treatment.

Flexible payments

Flexible payments.

Choose the payment plan length and start date that suits you.

Effortless repayments

Effortless repayments.

Access your automated repayment plans in real time via the Openpay app.

Openpay plans for a range of treatments.

$500 – $2,000$2,001 – $5,000$5,001 – $10,000 $10,001 – $20,000
First customer instalment20%10%10%10%
Plan duration6 months6 months12 months18 or 24 months
Customer management fee$3 per fortnight$3 per fortnight$4 per fortnight$5 per fortnight

Manage your payments with the Openpay app.

Create an account and check your available spending limit when you get cost estimates from the hospital.

If needed, you can request an increase to cover the cost of treatment.

Then simply contact the Self Pay Surgery team on 1800 735 372 to start your Openpay plan prior to your treatment.

“I love Openpay, it has made renovating my house so much easier”

Janelle S

Quick questions

What is Self Pay Surgery?

Self Pay Surgery is an alternative way of getting the treatment you need in a private hospital, by paying for yourself. You might want to choose this option if you want to be seen sooner, or don’t have private health insurance. We aim to make high quality hospital care as accessible and flexible as possible, to help you get back on your feet sooner.

Sign up is easy! Simply download the Openpay app from the Apple App Store or the Google Play store.

To get started, you’ll need:

  1. Your first instalment, which will be 20% of the cost
  2. Valid email address
  3. Be 18 years or over
  4. Debit or credit card in your name
  5. Mobile number
  6. A valid Australian photo ID

If you miss a payment, you may be charged a late fee, and plan management fees will apply. Full details will be in your plan welcome email.

If you require more than your available spending limit, you can apply for a higher amount from the Openpay app. From the app homepage, simply tap ‘Get Pre-Approved for more’ and select ‘Self Pay Surgery’.

Our team will review the application and if you have been pre-approved, you will soon receive a confirmation email with the details of your new spending limit.

Refer to Self Pay Surgery to find out more.

Yes, protecting your information is very important to us. We’re proud to be a Level 1 Payment Card Industry Data Security Standard (PCI DSS) Compliant Provider, which is the highest and most stringent level of compliance pertaining to card data protection.  

All sensitive information is encrypted, and we maintain stringent physical, electronic and procedural safeguards to protect it. Find out more about how we store your personal information in our privacy policy.

We take great care to keep our systems secure. We encourage security researchers to responsibly identify and disclose any vulnerabilities to us as soon as possible via Find out more about our vulnerability disclosure policy.

Absolutely! You can make early repayments on the Openpay app or via the friendly Openpay Customer Service Team on 1300 168 359. Please note, no early payment penalties apply.

Need a helping hand?

Purchases. Payments. Plans. Whatever you’ve got a question about, we’re here to help. Check out our Help Centre for handy articles or to get in touch with our Customer Service Team.