Waiting lists for routine surgery are currently at record levels. Check the latest data for your region to see the difference private care can make.
WeCovr's hospital wait time checker helps UK patients compare NHS wait estimates with private options, supported by FCA-authorised guidance and 900,000+ policies issued across protection products. It is designed to clarify the trade-offs behind private medical insurance UK decisions.
The checker uses published NHS data and typical private scheduling timelines to show indicative wait differences for common procedures. It is not a booking tool, but a way to understand how long delays might be in your region.
If you are considering private medical insurance UK cover, the wait-time gap is often the main driver of value.
NHS waits are based on reported RTT data and regional averages.
Private timelines reflect typical booking speeds for elective care.
Self-pay costs vary by provider and region.
Private cover can accelerate access to diagnostics and elective surgery when NHS lists are long. Coverage usually excludes emergency care and often excludes pre-existing conditions unless specified.
WeCovr provides FCA-authorised guidance and high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance.
This guide references NHS RTT statistics, Public Health Scotland waiting times, PHIN reports, and FCA guidance on insurance advice.
| Procedure type | NHS wait | Private wait | Impact |
|---|---|---|---|
| Orthopaedic | Weeks to months | Often weeks | Mobility and work impact |
| Diagnostics | Weeks | Days to weeks | Earlier diagnosis |
| Ophthalmology | Weeks | Weeks | Quality of life |
No. They are indicative estimates based on published data and may vary by hospital, consultant, and region.
No. Emergency treatment is generally provided by the NHS, while PMI focuses on elective care and diagnostics.
Capacity, staffing, and demand vary by region and specialty, which creates different waiting list pressures.
Yes. A PMI policy can cover eligible treatment costs, subject to policy terms and limits.