When you need surgery, private healthcare can offer greater flexibility and faster access to treatment. Choosing private care means you can choose the treatment facility, specialist surgeon or doctor, or bypass long delays and get the treatment you require a lot sooner than you would if going through the NHS. In addition, you can choose to go forward with non-urgent surgeries such as orthopaedic, cosmetic, ophthalmic and general surgical treatment, even if you are not eligible on the NHS. While private healthcare can be a significant investment, it doesn’t have to be out of reach. Flexible finance options can help spread the cost, making it easier to focus on what really matters: getting treatment when you want it.
At Medicred, we offer flexible healthcare finance designed to make paying for surgery as affordable as possible. Rather than paying one lump sum, the cost is broken down into smaller, manageable, monthly payments to make private healthcare even more accessible.
With finance for surgery, you can go ahead and book your treatment at a convenient time, knowing that you will be able to pay for your surgery in a way that suits your personal finances.
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Minimum £100 · Maximum £10,000
| Cost (per month) | Term (months) |
|---|
Finance Payment Plan
0% APR over 3 months
A surgery loan of £5,000 over 12 months would mean you make monthly repayments of £416.17 at a representative APR of 0%.
The total amount of credit would be £5,000, to which we would add £0.00 (0% p.a.). Therefore, the total cost of your treatment after 12 months would be £5,000.
If you took out finance for surgery today, you would pay the first £416.17 on the day of your first appointment, then 11 payments of £416.17 each month.
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People may choose private surgery for several reasons. These often include:
Additionally, some people value continuity of care, seeing the same faces throughout their journey, and being able to get tests done quickly. All these benefits combine to reduce worry and help people get back to full health sooner. Costs and insurance options may also influence decisions, and finance for surgery options are available to help make the decision easier.
The cost of private surgery usually covers the main parts of the treatment. This can include the surgeon’s fee, anaesthetist, hospital stay, operating theatre, and nursing care and, depending on the package, it may also include pre-operative tests and follow-up appointments. Some extras, such as medication to take home, physiotherapy, or unexpected complications, may be included or can be charged separately. It is important to ask for a clear quote in advance so you understand what is included and any potential additional costs.
Even though they are run differently, both private and NHS hospitals must meet strict rules, and private hospitals are regulated to ensure all patients receive safe, high-quality care. In England, they are inspected by the Care Quality Commission, which checks standards, safety, and patient experience, with similar bodies operating in Scotland, Wales, and Northern Ireland. Inspection reports are published online, so patients can review ratings and make informed choices about where they would feel the safest getting their treatment.
The timing after an initial consultation can vary depending on the procedure, your overall health, and the hospital’s schedule. In many private settings, surgery can often take place within a few weeks once you have agreed to have treatment. Some operations may need pre-operative tests or time to prepare, which can affect timing. Your consultant will explain the expected timeline and help arrange a date that suits you, while ensuring it is safe to proceed.
Insurance may cover elective surgery, but it depends on your policy and medical needs, and providers may require a referral and approval in advance. It is important to carefully review the terms and limits of your policy beforehand. Most insurers will not pay for procedures done purely for cosmetic reasons, or for conditions you had before taking out cover. If insurance does not apply, a monthly payment plan from Medicred can help make treatment costs more manageable over time.
Choosing the right private hospital and surgeon takes careful research and time. You may want to consider:
It is also helpful to meet the consultant first, ask questions, and feel confident in their advice before making your final decision. Comparing a few potential options can also give you a clearer understanding of what to expect.
You are free to choose to get your treatment privately, even if you have an NHS diagnosis. Many people use their NHS diagnosis as a starting point, then see a private consultant for faster access or a second opinion. The private consultant may review your records and carry out their own assessment before treatment. You can also switch between NHS and private care, depending on what suits your needs, preferences, and how quickly you want treatment.
The time before returning to work after surgery depends on the type of operation, your health, and the kind of job you do. Some people can return within a few days, while others may need several weeks to recover fully. Physically demanding jobs usually require a longer recovery period. Your surgeon will give clear advice on when it is safe to return, based on your progress and how well you are healing after treatment.
Most private hospitals usually provide patients with their own private room during their stay. This often includes an en-suite bathroom, a television, and space for a relative to visit. However, the exact facilities can vary depending on the hospital and the type of treatment you are having. It is best to check in advance with your chosen hospital to know what level of comfort and privacy will be included in your stay and factor this in when planning.
Prices can vary between private clinics and hospitals for several reasons. These include:
In addition, different providers may bundle services differently, which can affect the total price you are quoted.
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