What is self pay surgery?

Many people have private healthcare because their employer offers private health insurance as a workplace perk, but you don’t need to have medical insurance to get private treatment. You can simply pay directly for your private treatment; this is known as ‘self-paying’ and most private hospitals offer fixed price surgery schemes so that you know what the cost will be. There are also loans available to fund private surgery, available through the private hospital groups and third-party finance companies.

Private treatment can usually be carried out quickly. Consultations and appointments take place at times that suit you and recovery from a major operation takes place in a comfortable, private en-suite room where friends and family can visit with few restrictions.

Fixed price surgery schemes are available for many private operations, and are usually available to most people, at any age. The patient pays a fixed price for the operation which normally includes all medical and nursing care at hospital, the cost of private hospital accommodation, operating theatre fees, drugs and dressings while in hospital, as well as the surgeons’ and anaesthetists’ fees (provided that the consultant participates in the scheme). The private hospital companies publish prices for their fixed price surgery packages. However, the price may vary depending on the individual patient:

  • A patient with other health problems or requiring particularly complex surgery may be quoted a higher price than the advertised price.
  • If you’re seeking a knee or hip replacement, you may be offered a different price depending on the type of prosthesis that you require or select.
  • In some cases, the price may vary a little, depending on the consultant whom you have chosen to do the operation.
  • It is important to check what is included in the fixed price that you have been quoted to avoid any surprises when you get your bill.