Orthopaedic Surgery Cover Through Private Health Insurance

Private medical insurance can fund consultations and surgery with a private orthopaedic surgeon for new joint, bone or musculoskeletal conditions that arise after a policy starts. Knee pain, hip problems, sports injuries and back issues can be assessed by a consultant within days of GP referral, and eligible surgery — including knee and hip replacement — can be funded at approved private hospitals. Pre-existing orthopaedic conditions are not generally covered.

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What Orthopaedic Cover Typically Includes

Cover applies to new musculoskeletal conditions arising after the policy start date.

Consultant Appointments

PMI typically funds private orthopaedic consultations once your GP refers you for new joint, bone or musculoskeletal pain. Faster access to consultants means knee, hip, shoulder or back issues can be assessed and a treatment plan agreed within days — helping skip NHS waiting lists for elective replacements.

Diagnostic Imaging

Cover commonly funds MRI, CT and X-ray imaging needed to investigate new orthopaedic conditions. Diagnostic scans support accurate diagnosis and inform the consultant's surgical or non-surgical recommendations, with scan results often returned within days. A single-region private MRI alone typically costs around £250–£700 to pay for yourself.

Surgery & Rehabilitation

Eligible surgery may include arthroscopy, ligament repair, total knee replacement, total hip replacement and other orthopaedic procedures at approved private hospitals. Many policies also fund physiotherapy and rehabilitation linked to a covered episode of treatment. A private knee or hip replacement typically costs around £11,000–£18,600 to pay for yourself — PMI funds eligible surgery end-to-end, subject to policy limits.