Terms and Conditions:

Ludgate Clinic is only able to invoice BUPA and AXAPPP directly. For all other health insurance providers you will need to pay for the treatment yourself, we will then provide you with a receipt in order for you to claim back any eligible cost.

Ludgate Clinic is only able to invoice your health insurance provider, when you have submitted a valid policy number and authorisation code prior to your appointment.

Please ask your health insurer, prior to treatment, how many treatments you’re allowed and if an excess applies to your policy. An excess is the amount your health insurer asks you to contribute towards the cost of treatment per policy year. Where an excess applies, you agree to pay this directly to Ludgate Clinic as required by your health insurance.

Please be aware that health insurance providers will not cover more than one appointment on any one day nor will they cover an fees charged due to missed appointments or cancellations within less than 12 hrs of your appointment.

Payment for the cost of treatment remains your responsibility and you will be invoiced for any costs that, for any reason, remain unpaid by your health insurer for more than 30 days.Invoices outstanding for more than 30days may be sent to debt recovery.