Does your health insurance cover knee replacement surgery?

It’s important to know exactly what your health insurance policy protects you against – whether you’ve had a long illness or require surgery, or are just looking at the long-term in general, you and your provider should be agreed on your potential medical requirements.

Around 70,000 knee replacement surgeries took place on the NHS last year, for a range of conditions including osteoarthritis, which causes wear and tear on your body’s joints – particularly knees and hips – due to the loss of cartilage in your joints over time.

You’ll likely need a full knee replacement if it’s causing pain and loss of mobility on a daily basis, and is affecting your quality of life as a result. This procedure if performed privately without health insurance can be costly, with an average cost of over £11,000.

With Saga Health Insurance, you can benefit from prompt access to a specialist after referral from your GP, and if you do require treatment, you have the option to choose where this takes place from a wide choice of UK private hospitals. Treatment in a private hospital also allows you to recuperate in peace and privacy in your own private room, usually with an en-suite. Some of our Saga HealthPlan's offer physiotherapy too to help your recovery.

If you are over 50, you can call one of our health insurance advisers who can help you tailor your policy to your needs, as well as securing extra cover for other conditions, which can help to keep your premiums down. Speak to Saga Health Insurance about your health insurance personalisingon 0800 015 0226, or alternatively get a quote online.


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