Paying monthly for private cataract surgery depends on what the clinic offers, and the two clinic groups we work with describe different arrangements. Sapphire Eye Care says that for certain treatments you can pay in instalments leading up to the procedure, and that otherwise full payment is typically required on the day of treatment. Blue Fin Vision says it offers flexible financing to spread the cost of private cataract surgery, with personalised payment plans. Neither publishes a monthly figure, an interest rate or a deposit, so the monthly amount is something the clinic works out with you.
Two ways of paying monthly
Instalments before surgery
Sapphire Eye Care describes paying in instalments leading up to the procedure, for certain treatments. You finish paying before you are treated, so ask whether cataract surgery is one of those treatments, how many payments there are and what happens to the money already paid if you decide not to go ahead.
Financing that spreads the cost
Blue Fin Vision describes flexible financing to spread the cost of private cataract surgery, with personalised payment plans tailored to your budget arranged through its team. Financing like this can mean paying after surgery. Ask whether it is a credit agreement, who the lender is, and what the interest rate and total amount repayable are.
What each clinic says about paying
| Clinic group | Where | How you can pay, in the clinic’s words |
|---|---|---|
| Sapphire Eye Care | Berkshire, Surrey, Sussex, Hampshire and Dorset | Self-pay by major credit or debit card, bank transfer or cash, with full payment typically required on the day of treatment unless otherwise arranged. For certain treatments, payment in instalments leading up to the procedure. |
| Blue Fin Vision | London, Hertfordshire and Essex | Flexible financing to spread the cost of private cataract surgery, with personalised payment plans tailored to your budget arranged through its team. |
Sources: Sapphire Eye Care: our prices and Blue Fin Vision cataract surgery costs, both read 15 September 2026. What every clinic group publishes is summarised on our finance page.
What to budget for before you pay monthly
A monthly plan spreads a total, so start with the full price for your treatment. Both clinic groups publish their private cataract surgery cost per eye:
- Sapphire Eye Care: from £2,900 for a standard cataract procedure, £3,796 with an extended depth of focus lens and £4,300 with a multifocal lens. Its prices include pre-surgical assessments, the surgical episode, hospital fees and follow-up care, and its pricing covers the surgery, facility fees, surgeon’s fees, anaesthetic costs and post-operative care. An initial consultation is £240, or £340 with an OCT scan.
- Blue Fin Vision: from £4,000 with a premium monofocal lens, £4,500 with a premium monofocal toric or trifocal lens and £5,000 with a premium trifocal toric lens, excluding anaesthetist fees where required. An initial consultation is £325.
- Later treatment: A later YAG laser capsulotomy, if the lens capsule becomes cloudy, is priced separately: from £550 for one eye or £700 for both at Sapphire Eye Care, and from £750 or £1,200 at Blue Fin Vision, which says the consultation and procedure are provided at no extra cost if your original cataract or lens replacement surgery was performed there.
Follow-up consultations are £140 at Sapphire Eye Care (£240 with an OCT scan) and £325 at Blue Fin Vision. Our cataract surgery cost guide sets out the average cost of private cataract surgery by lens, including a trifocal lens, if you are still deciding.
Compare totals, not monthly figures
A lower monthly payment can come from a longer plan rather than a lower price, so compare what you would pay in total and what that total includes. The two clinic groups price differently: Blue Fin Vision says its pricing is positioned in the top 10 to 20% of the market because it includes consultant-led surgery, ZEISS IOLMaster biometry, OCT imaging, premium lenses and structured follow-up, rather than low headline pricing with add-ons later. Sapphire Eye Care says its surgical prices are all-inclusive. Put the written quotes side by side before you compare any monthly amounts.
Want a written price before you plan payments? Request a consultation and ask the clinic to include its payment options.
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Paying for both eyes
Prices at both clinic groups are per eye, so treating both eyes means paying for two operations. Sapphire Eye Care notes that its treatments are priced per eye unless otherwise stated. Blue Fin Vision describes immediate sequential bilateral cataract surgery, which treats both eyes in one session, as an option. The NHS says that on its service, cataracts in both eyes are treated on separate days.
If you are planning a monthly budget for both eyes, ask the clinic whether one plan can cover both operations, and what happens to the plan if the second eye is treated later or not at all.
What a monthly plan should show you
Before you agree to any monthly arrangement, ask the clinic for these in writing:
- Is it credit? Whether you pay after treatment under a credit agreement, and if so, the name of the lender.
- What is the interest rate? The annual percentage rate, and whether it changes after an introductory period.
- What will I repay in total? The total amount repayable, not just the monthly figure, including any fees.
- Is there a deposit? How much, when it is due and whether it counts towards the price.
- What does the plan cover? The consultation, surgery on one or both eyes, and any later treatment.
- What if my treatment changes? For example, if surgery is postponed, or you are found not to be suitable.
- Is there a credit check? Whether applying affects your credit file.
If the clinic offers instalments before treatment instead, ask how many payments there are, when the last one is due, and what happens to the money already paid if you decide not to go ahead.
Insurance and the NHS
- Blue Fin Vision says private health insurance may cover consultations and diagnostic imaging, and that premium lens upgrades are typically private costs.
- Sapphire Eye Care lists the insurers that recognise it on its website.
- The NHS also carries out cataract surgery, and says surgery in adults may be recommended if cataracts are affecting your daily life.
Source: NHS: cataract surgery (page last reviewed 6 March 2025). See our guide for insured patients, our private cataract surgery page and our comparison of cataract surgery finance at each clinic.