In this situation patients will have to cover all costs associated with their admission. It is generally impossible to determine an exact figure for the total cost of surgery. Therefore, the figures provided below is an estimate and should only be used as a guide.

Hospitals will provide quotes to patients before admission and expect an up-front payment on the day of admission for the estimated amount. Patients having weight-loss surgery will have total expenses of $18,500 – $23,500, with direct hospital costs being up to 75 – 90% of this total cost (this is the amount covered by private health insurance if you have taken out private hospital cover).

Medicare will contribute a small amount towards your medical costs, but this is dependent entirely on your treatment.

As obesity is a pre-existing condition the private health funds will not cover admissions for surgery until the person has been with them for 12-24 months.

Call us for a quotation on (02) 4229 6355 – you might be surprised at just how affordable our uninsured program is.


MacCredit specialises in finance for medical procedures. See for further details


Patients may apply to the ATO for an early release of superannuation funds to cover part or all of the costs involved. More details can be found on the website.

If you chose to apply for this, three documents need to be lodged:

  • Completed application form- click here to download
  • A letter of support from your General Practitioner
  • A letter of support from Illawarra Institute of Obesity Surgery (we will provide this after your initial consultation)

Please note that processing time by the ATO generally takes up to 2 weeks, and allow a further 2 weeks for your superannuation fund to release the funds to your personal bank account.