
Struggling with the persistent discomfort of a hiatus hernia? You're not alone. At WeCovr, an FCA-authorised broker that has helped arrange over 900,000 policies, we understand the impact on your quality of life. This guide explores your options for private medical insurance in the UK to access prompt diagnosis and treatment.
A hiatus hernia can be a source of daily frustration, causing symptoms like heartburn, acid reflux, and difficulty swallowing. While the NHS provides excellent care, long waiting lists can mean a significant delay in getting the treatment you need. For many, this is where private healthcare offers a vital alternative.
This comprehensive guide will walk you through everything you need to know about tackling a hiatus hernia privately. We'll cover:
Let's dive in and explore how you can regain control of your health.
To understand the treatment, it's helpful to first understand the condition.
Your chest and abdomen are separated by a large, thin muscle called the diaphragm. There's a small opening in this muscle called the hiatus, which allows your oesophagus (the food pipe) to pass through and connect to your stomach.
A hiatus hernia occurs when the upper part of your stomach pushes, or 'bulges', up through this opening and into your chest.
It's a very common condition. In fact, according to NHS guidance, it's thought that around one in three people over the age of 50 have a hiatus hernia, although many will not experience any symptoms.
There are two main types:
For many, a small hiatus hernia causes no problems. But for others, it can lead to persistent and uncomfortable symptoms that significantly disrupt daily life.
The main issue with a hiatus hernia is that it weakens the valve (the lower oesophageal sphincter) that's meant to stop stomach acid from flowing back up into your oesophagus. This backflow is known as gastro-oesophageal reflux disease (GORD), and it's the cause of most hiatus hernia symptoms.
If you have a symptomatic hiatus hernia, you might experience:
| Symptom | Description |
|---|---|
| Heartburn | A burning sensation in the chest, often after eating, which may be worse at night. |
| Acid Reflux | A sour or bitter taste in your mouth as stomach acid comes back up. |
| Belching & Bloating | Feeling full quickly, gassy, and frequently needing to burp. |
| Dysphagia | Difficulty or pain when swallowing, feeling like food is stuck in your chest. |
| Chest Pain | A sharp or burning pain in the chest that can sometimes be mistaken for a heart attack. |
| Bad Breath | Halitosis caused by regurgitated stomach contents. |
| Hoarseness or Sore Throat | A persistent cough or change in your voice, especially in the morning. |
| Nausea | Feeling sick, sometimes leading to vomiting. |
These symptoms can be triggered or made worse by certain foods (spicy, fatty), large meals, lying down after eating, and bending over.
If you're experiencing these symptoms, the first step is always to see your GP. They will assess your condition and can often make a preliminary diagnosis based on your symptoms alone.
The private route offers a way to bypass these long waits, giving you faster access to specialists and diagnosis.
| Stage | NHS Pathway | Private Pathway (with PMI or Self-Pay) |
|---|---|---|
| GP Referral | Required. You are referred to a specific NHS hospital trust. | Often required by insurers. You can request an 'open referral' to choose any specialist/hospital within your insurer's network. |
| Wait for Specialist | Months, sometimes over a year. | Days or weeks. |
| Wait for Diagnostics | Can be weeks or months after the specialist appointment. | Often done within a week, sometimes on the same day as the consultation. |
| Choice of Specialist | Limited. You see the consultant available at your local trust. | You can choose your preferred consultant and hospital from your insurer's approved list. |
| Wait for Surgery | Months or even years for non-urgent procedures. | Typically scheduled within a few weeks of the decision to operate. |
| Environment | NHS ward, which may be shared with several other patients. | Private en-suite room for your recovery. |
Using private medical insurance in the UK is the most common way to fund private treatment. It allows you to access this faster pathway without facing a daunting upfront bill.
This is the most critical question for many, and the answer depends on one key factor: whether it is a pre-existing condition.
UK private medical insurance (PMI) is designed to cover acute conditions that arise after your policy has started. It does not cover chronic or pre-existing conditions.
Here's how this applies to a hiatus hernia:
When you apply for a policy, insurers use a process called underwriting to decide what they will and won't cover.
| Underwriting Type | How it Works for a Hiatus Hernia |
|---|---|
| Moratorium (Most Common) | You don't declare your medical history upfront. The insurer automatically excludes any condition you've had in the 5 years before your policy started. However, if you go for a set period (usually 2 years) without any symptoms, treatment, or advice for that condition, the exclusion may be lifted. |
| Full Medical Underwriting (FMU) | You complete a detailed health questionnaire. The insurer reviews your medical history and may write to your GP. They will then explicitly state what is excluded from your policy from day one. This provides certainty but means a pre-existing hiatus hernia will be permanently excluded. |
An expert PMI broker like WeCovr can help you understand the nuances of underwriting and find a policy that best suits your personal circumstances, completely free of charge.
If lifestyle changes and medication haven't worked, or if your hernia is severe, your consultant may recommend surgery. The goal of surgery is to repair the hernia and reinforce the valve at the bottom of the oesophagus to prevent acid reflux.
The most common procedure is a laparoscopic Nissen fundoplication. Don't be put off by the name! It's a type of keyhole surgery.
While fundoplication is the gold standard, a few other options may be available privately:
Your consultant surgeon will discuss the best option for you based on the size of your hernia, your symptoms, and your overall health. With private health cover, you have the freedom to choose a surgeon who specialises in the procedure you're most comfortable with.
If you don't have private medical insurance, you can choose to 'self-pay'. This gives you the same benefits of speed and choice, but you will need to fund the entire cost yourself.
The costs can vary significantly depending on the hospital, the surgeon, and the specific procedure. Below are some estimated 'package price' ranges for 2025. These prices typically include the surgeon's fees, anaesthetist fees, hospital stay, and one follow-up appointment.
| Procedure | Estimated UK Private Cost (Self-Pay) |
|---|---|
| Initial Consultation with a Specialist | £200 – £350 |
| Endoscopy (Gastroscopy) | £1,500 – £2,500 |
| Laparoscopic Nissen Fundoplication | £8,000 – £12,000+ |
| LINX® Reflux Management System | £9,000 – £14,000+ |
Note: These are guide prices only. Diagnostic tests are often charged separately. A comprehensive private medical insurance policy can cover all these costs, subject to the terms and limits of your plan.
Recovery from keyhole hiatus hernia surgery is generally much faster than from traditional open surgery.
Your stomach and oesophagus need time to heal. Your surgical team will give you very specific dietary instructions, which you must follow carefully to avoid complications. The progression usually looks like this:
For several months after surgery, you might find it difficult to swallow large, dry, or 'doughy' items like bread or tough steak. This is normal and usually improves with time.
Surgery can be life-changing for those with severe reflux, but maintaining a healthy lifestyle is key to long-term success.
By investing in your health through prompt private treatment and adopting these wellness habits, you can look forward to a future free from the daily burden of reflux.
And when you get a policy with us, you can often benefit from discounts on other types of cover, such as life insurance or income protection, helping you build a complete financial safety net for you and your family. WeCovr's commitment to client satisfaction is reflected in our high ratings on major customer review platforms.
Finding the right private health cover can feel overwhelming. With so many providers and policy options, how do you choose? This is where working with an independent broker like WeCovr makes all the difference.
We are experts in the private medical insurance UK market. We are not tied to any single insurer, so our advice is completely impartial. Our goal is simple: to help you find the best possible cover for your budget and needs.
We can help you:
Our service is provided at no cost to you. We receive a commission from the insurer you choose, but this does not affect the price you pay.
This is a crucial point. If you have sought medical advice or treatment for heartburn symptoms before taking out your policy, an insurer will almost certainly classify the hiatus hernia as a pre-existing condition and exclude it from cover. This is because heartburn is a primary symptom. Insurers look at both formal diagnoses and symptoms when applying exclusions.
Yes, you can still get private health cover, but the policy will exclude the hiatus hernia and any related conditions. However, the policy would still provide valuable cover for new, unrelated acute conditions that might arise in the future, giving you peace of mind for other health concerns.
The cost of a private medical insurance policy varies widely based on your age, location, the level of cover you choose, and your underwriting type. A basic policy might start from £40-£50 per month, while a comprehensive plan with full outpatient cover and a choice of all UK hospitals could be over £100 per month. The best way to get an accurate figure is to get a tailored quote.
Don't let the discomfort of a hiatus hernia and long waiting lists hold you back. Take the first step towards faster treatment and a better quality of life.
Contact WeCovr today for a free, no-obligation quote and let our expert advisors help you navigate your private healthcare options.






