Care now.
Pay smarter.

At Self Pay Surgery.

Self Pay Surgery

Openpay is a digital payment solution, which 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 you need, without the stress of managing unexpected or large lump sum bills.

Why Choose Openpay

zero interest
No interest. None

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.

An Openpay Plan for a range of treatments.


First customer instalment: 20%
Plan duration: 6 months
Customer management fee: $3 per fortnight


First customer instalment: 10%
Plan duration: 6 months
Customer management fee: $3 per fortnight


First customer instalment: 10%
Plan duration: 12 months
Customer management fee: $4 per fortnight


First customer instalment: 10%
Plan duration: 18 or 24 months
Customer management fee: $5 per fortnight

Sign up
Sign up

Download the Openpay App & create an account.

Spend limit
Spend limit

Check your available spending limit and, if needed, request an increase to cover the cost of the treatment by searching ‘Self Pay Surgery’ in the App.


Contact the Self Pay Surgery team on 1800 735 372 to start your Openpay plan prior to your treatment and have your customer ID ready.

Spread it
Spread it

Pay your first instalment today and spread the rest over fortnightly payments.

To use Openpay for your hospital treatment, create an account in the Openpay App and check your available spending limit when you get cost estimates from the hospital.

Download on App Store
Get it on Google Play

If you have further questions please call Openpay on 1300 168 359 or visit

Openpay FAQs

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.

  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

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

Plan management fees will apply. Please see above for more further details.

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. All card data is encrypted and we maintain stringent physical, electronic and procedural safeguards to protect your information.

View the Openpay Privacy Policy here.

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.