Private Surgery Cost Guide (2025/26)
Considering paying for your own treatment? Check the typical self-pay "fixed price package" costs for common procedures across the UK.
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TYPICAL PACKAGE PRICE
£14,600
Typical Range: £13,200 – £16,800
Excludes: Initial consultation (£200-£300).
Does that look expensive?
Private Medical Insurance covers these large bills. If you had cover, you wouldn't pay this lump sum.
Compare Insurance Quotes InsteadPrivate surgery price list guide for the UK
WeCovr's private surgery price list helps UK patients understand typical self-pay ranges, supported by FCA-authorised guidance and 900,000+ policies issued across protection products. It highlights how private medical insurance UK policies can protect against large one-off costs.
What the private surgery price list covers
This guide uses published price lists from major UK private hospital groups to show indicative costs for diagnostics and common procedures. Prices vary by region, consultant, and hospital facility.
Use the figures as benchmarks to understand the potential out-of-pocket cost if you self-fund treatment.
Costs shown are averages and typical ranges.
Prices can increase for complex cases or longer stays.
Diagnostics and outpatient consults are separate in many price lists.
How private medical insurance changes the equation
Private medical insurance UK policies can cover eligible procedures, which helps protect your savings from large one-off bills. Coverage varies by plan tier, hospital list, and outpatient limits.
If you are comparing self-pay vs insurance, focus on how often you expect to use care and the procedures most relevant to your health needs.
Why WeCovr is trusted for cost guidance
WeCovr provides FCA-authorised guidance with 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.
Data sources and guidance references
This guide references published self-pay price lists from major UK hospital groups and PHIN data where available, alongside FCA guidance on insurance advice.
Self-pay vs insured access
| Scenario | Upfront cost | Speed | Best for |
|---|---|---|---|
| Self-pay | High | Fast if booked | Single, known procedure |
| PMI cover | Monthly premium | Fast access | Ongoing protection |
| NHS | No direct cost | Varies | Non-urgent care |
Related WeCovr resources
FAQs
Are private surgery prices fixed across the UK?
No. Prices vary by hospital group, region, consultant fees, and case complexity.
Do private prices include diagnostics and aftercare?
Sometimes, but often diagnostics and follow-up appointments are billed separately. Check the specific price list details.
Can PMI cover the procedures listed here?
Yes, subject to policy terms, hospital lists, and medical underwriting.
Is self-pay ever cheaper than insurance?
Self-pay can be cost-effective for one-off, lower-cost procedures, but insurance helps protect against larger or repeat costs.