The Cost of Private Healthcare in the UK

Male doctor talking with senior man in a private examination room.

While it can be costly, many opt for private healthcare to avoid NHS wait times or to access treatments that aren’t widely available. Whether self-funded or covered by insurance, knowing the costs upfront helps you make informed decisions.

In this guide, we cover:

Private healthcare offers faster treatment and more choice, but understanding the costs – both with and without health insurance – is key to making an informed decision.
Costs vary – common procedures like hip replacements can range from £9,500 to £16,000 without insurance.
Health insurance can reduce out-of-pocket expenses, with monthly premiums depending on age, level of cover and other factors.

What is private healthcare, and why do people choose it?

Private healthcare in the UK means paying for medical treatment yourself or through private health insurance. It’s a different option from the care you can get through the NHS.

Many people choose private healthcare for the following reasons:

Shorter wait times: You can often see a doctor or get treatment more quickly than through the NHS.
Tailored health plans: Private care can offer plans that match your personal health needs.
More choice: You can choose the doctor or hospital that works best for you.
Greater privacy: Private hospitals often give you your own room instead of a shared ward.
Access to extra treatments: Some drugs and therapies not available on the NHS may be offered privately.

How much does private healthcare cost without insurance?

The cost of private healthcare without health insurance in the UK varies depending on several factors, including:

The type of treatment
Where you’re treated
The healthcare provider you choose.

For example, in January 2025, the cost of a knee replacement with Nuffield Health in Brentwood was £17,109 . Meanwhile, at Benenden Hospital, prices started from £13,750 .

According to the Private Healthcare Information Network (PHIN), here are typical costs for common treatments:

Cataract surgery: £2,500 – £3,200 (varies based on location)
Chemotherapy: Up to £30,000 per round
Diagnostic GP endoscopy: Around £1,500
Diagnostic colonoscopy: £1,800 – £2,400
Hip replacement: £9,500 – £16,000
Knee arthroscopy (keyhole surgery): £4,500 – £7,000 (for both knees)
Knee replacement: £10,000 – £16,000 (per knee)
Therapeutic colonoscopy: Around £2,200
Hernia repair: £2,500 – £4,000

How much does private healthcare cost with health insurance?

The cost of private healthcare with insurance depends on your level of cover. Some policies pay for all your treatments and consultations, while others only cover part of the cost. What’s included will vary based on your provider and the plan you choose.

The price of your policy also depends on things like your age, where you live, and the type of cover you pick. You can learn more in our guide to the cost of private health insurance in the UK.

What’s typically covered by private health insurance?

What’s included in private health insurance depends on your provider and the plan you choose. Each policy is slightly different.

Most insurers offer several levels of cover. Typically, the more you pay, the more services and treatments you’re likely to get. At Saga, we offer four HealthPlans, each with different levels of cover to suit your needs.

Is private healthcare worth the cost?

Whether private healthcare is worth it depends on your personal needs, preferences and budget. In the UK, everyone has access to the NHS, which provides free healthcare at the point of use. However, private healthcare can offer benefits that some people find valuable.

Private healthcare costs vary depending on the treatment, provider, and location. It’s important to weigh the benefits against the financial commitment and consider whether insurance or employer schemes can help cover the cost.

Explore the benefits of private healthcare in our guide.

How to access private healthcare in the UK

There are several ways to access private healthcare in the UK:

GP referral: Your NHS or private GP can refer you to a private specialist or hospital for further treatment.
Direct booking: You can contact a private hospital or clinic directly to arrange an appointment, without needing a referral.
Medical insurance: If you have private health insurance, you can use it to cover the cost of treatment. Your insurer may help you book appointments and manage claims.
Employer schemes: Some employers offer private healthcare as part of their benefits package. This can include full insurance or access to specific services like virtual GPs or mental health support.

Who underwrites Saga Health Insurance?

Saga Health Insurance is a unique product designed by us specifically for our customers and it is only available through us. Together with our underwriter, Bupa Insurance Limited, we are committed to providing high levels of quality, service and choice. That's why we offer a range of policies that can be tailored to suit your needs and budget.