Private Surgery Costs In The UK

Average private operation costs in 2024

​The price of medical care can vary based on how you pay for it. If you’re footing the bill yourself (self-paying), you’ll cover all the costs. However, if you have private health insurance, it might cover everything or at least a portion, depending on your policy. Not all private healthcare providers charge the same for similar treatments. Factors like specialists, location, amenities, and services can affect pricing.

For instance, hospitals in London, particularly those provided by HCA, might charge higher fees compared to the average. Therefore, it’s a good idea to ask about costs upfront and compare them to find the best option for you and your family.

We’ve looked into how much surgeries typically cost in London. This information is based on what healthcare providers in the UK are charging, and it’s accurate as of March 2024.

Dental surgery

Ear, nose and throat treatment

Eye treatments

General surgery

Gynaecology

Hip surgery

Knee surgery

Spinal surgery

Urology

What is fixed-price surgery?

Private hospitals give you a fixed price for your treatment, whether you stay overnight or just during the day. This includes everything from your consultant’s fee to the cost of surgery in UK of tests, diagnostics, anaesthesia, admission to the hospital and aftercare.

You won’t be surprised by extra charges, even if you need to stay longer than planned for medical reasons. So, whether you’re an inpatient or a day patient, you’ll know exactly what to expect and won’t have to worry about unexpected bills.

Factors that affect private surgery costs?

Several factors influence the cost of private surgery, including:

The location

Where you have the surgery can impact costs due to differences in expenses like rent and staffing.

Type of Surgery

The complexity of the procedure affects the price, with simpler surgeries generally costing less.

Medical Equipment

The need for advanced equipment and technology can increase costs.

Medication

The type and amount of medication required for your surgery contribute to expenses.

Surgeon’s Fees

Experienced consultants may charge higher fees, influencing overall costs.

Staffing

Expenses for nurses and other staff members add to the total treatment cost.

Facility Expenses

Costs associated with the hospital or surgical centre, such as rent and utilities, affect pricing.

Insurance

The hospital’s insurance expenses may be reflected in the cost of your treatment.

Understanding these factors can help you anticipate and plan for the cost of private operations.

How to find out the exact cost of surgery?

If you’re looking to learn about how much private medical treatments cost, here are some steps you can take:

Contact Private Hospitals

Firstly, check out the websites of private hospitals, especially larger ones like Spire Healthcare, HCA, Nuffield Health, Circle Health Group (formerly BMI), and Ramsay Health. They often have detailed info about the treatments they offer and how much they cost.

Next, you can directly reach out to these hospitals by phone or email. Ask them about the specific treatments you’re interested in and they might give you personalised quotes based on what you need.

Speak to a Private Health Insurance Provider

If you have private medical insurance, it’s a good idea to talk to your insurance provider or a broker. They can tell you about what’s covered and what kind of costs you might have to pay out of pocket.

You can also get in touch with us directly. One of our qualified advisors will be there to help you and explain everything step by step.

Take some time to compare surgery prices across different hospitals and private healthcare providers. Look at factors like where they’re located, what kind of reputation they have, and how good their care is.

Ways to Pay for Private Surgery

Self-Pay

Using your funds to cover the cost of treatment upfront, might be preferable if you don’t have a private health policy and have some savings on the side. This can help you avoid NHS waiting times.

Private Medical Insurance

If you have private health insurance, it can cover some or all of the costs, depending on your policy. This is the most cost-effective way. Keep in mind any excess you might need to pay to cover surgery insurance cost.

Medical Loan

Taking out a loan specifically for medical expenses, which can sometimes be interest-free. This option allows you to pay for it in a lump sum cash payment and repay the loan over time.

Instead of concluding: How to make the right choice

Choosing the right option for your private surgery can seem overwhelming, but it doesn’t have to be. Take your time to research and compare prices from different hospitals and healthcare providers. If you have private medical insurance, consider talking to your provider to understand what’s covered.

Remember, you can also self-pay or explore medical loan options if needed. Ultimately, it’s about finding what works best for you and your situation.

Do not hesitate to reach out to PremierPMI advisors for guidance along the way. We are here to help you make the right choice for your surgeries.

Stuart Hendy, Senior PMI Advisor &Editor

Stuart Hendy is a highly experienced health insurance broker with extensive knowledge of private medical insurance and private treatment. His expertise is frequently sought by industry professionals and his insights have been featured in leading financial publications. Stuart is committed to providing his clients with the best possible healthcare solutions and empowering them to make informed decisions.

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