Surgery Cover Private Procedures

Private medical insurance can fund medically necessary surgery at a private hospital, from joint replacements and hernia repairs to gallbladder removal. Eligible policyholders may choose their consultant and hospital, with scheduled procedure dates rather than waiting-list slots. A broker will help match cover to the surgery types you want included.

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No Obligation

Expert Brokers

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How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

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What Surgery Cover Typically Includes

Eligible surgical care funded under most comprehensive PMI policies

Surgeon And Theatre Fees

Comprehensive policies generally fund surgeon, anaesthetist and operating theatre charges for eligible procedures. Cover applies to medically necessary surgery only and is subject to policy limits, underwriting and any pre-existing condition exclusions agreed at outset.

Hospital Stay

In-patient cover funds your private hospital stay, including a private room where available, nursing care and prescribed medication during recovery. Length of stay is determined by the treating consultant. A broker can compare hospital list options across leading UK insurers for you.

Aftercare And Follow-Up

Many policies include post-operative consultations, physiotherapy and follow-up scans linked to the surgery. Limits and session caps vary by insurer and plan tier. Cosmetic surgery is excluded across UK private medical insurance, as is treatment for pre-existing conditions unless specifically agreed.