Financial Clarity

Insurance and Self-Pay Information

We understand that clarity on fees and payment is essential when planning private maternity care. This section provides guidance for both insured and self-pay patients, including those travelling internationally.

Insurance-Covered Patients

Dr. Subramanian is recognized by all major private medical insurance providers, including Bupa, AXA PPP, Vitality, Cigna, and WPA.

• Pre-Authorisation is Essential
  

  Private maternity care is often managed differently from other medical specialties. You must contact your insurer before your first appointment to confirm:

  1. Maternity Coverage
  Does your policy specifically cover private obstetrics, or is it only for complications?

  2. Coverage Limits
  What are the specific monetary limits for Consultant Obstetrician fees, Consultant Anaesthetist fees, and Hospital accommodation/theatre costs?

  3. Direct Billing
  Will the insurer pay Dr. Subramanian directly, or will you be reimbursed?

• Your Responsibility
  While we can assist with claim forms, it remains the patient's responsibility to obtain the necessary pre-authorisation code prior to treatment commencement. Any fees not covered by your insurer will be payable by you.
• Self-Pay Required Components
  Even with insurance, fees for the Anaesthetist and Paediatrician are often outside the main obstetric package and may require separate co-pays or direct settlement. Please confirm this with your provider.

Self-Pay Patients (UK and International)

We welcome self-pay patients and offer transparent package pricing to provide financial certainty.

• Fixed Fee Packages
  The fees for the Pregnancy Care Packages (12, 20, 32, or 36 Week) are fixed and cover all of Dr. Subramanian's professional fees for antenatal care, delivery, and the postnatal check.
• Estimated Costs (Crucial Breakdown)
  

  Your total cost for private maternity care at King's College Hospital will involve three main components, and it is vital you budget for all three:

  1. Consultant Fees (Dr. Subramanian)
  Covered by your chosen Package Fee.

  2. Additional Consultant Fees
  Separate fees for the Consultant Anaesthetist and Consultant Paediatrician. These are typically settled separately.

  3. Hospital Fees
  Charges from King's College Hospital for your private room, nursing care, use of the delivery/theatre suite, and hospital consumables. This is often the largest component of the total cost.

• International Patients
  

  For patients traveling from overseas, we require a non-refundable deposit upon booking and expect all estimated costs to be settled in full prior to the 36th week of pregnancy. We can provide detailed cost breakdowns upon request.

For a bespoke quotation, please contact Dr. Subramanian's private practice manager.

Enquire now