You’ve got it covered, we’ll get it sorted.

Use your private medical insurance for treatment.

  • Expert consultations at a time to suit you
  • Fast access to treatment and surgery for insured patients
  • A dedicated private healthcare co-ordinator to keep things simple

You’ve got it covered, we’ll get it sorted.

Use your private medical insurance for treatment.

  • Expert consultations at a time to suit you
  • Fast access to treatment and surgery
  • A dedicated private healthcare co-ordinator to keep things simple
Call 0330 818 8945 Get started now

Catrin Williams
Registered Nurse

Catrin Williams nurse

Catrin Williams
Registered Nurse

Catrin Williams nurse

Making your private health insurance journey simple

We work closely with most major private insurance companies to make your treatment as straightforward as possible.  So, if you’ve got private healthcare insurance with any of the following insurance providers, our team of healthcare experts are ready to get you back to your best:  Allianz, Aviva, AXA, Bupa, Healix, Vitality, and WPA. 

“Everything was smooth, well-organised, and stress-free. Practice Plus Group made the process effortless – from using my private insurance to the care I received throughout.” Chris Newberry, hip patient.

Sue Bateman hip replacement patient testimonial at Emersons Green

Sue Bateman talks about accessing hip surgery with her private medical insurance

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A step-by-step guide to your private health insurance journey

Cover varies depending on your policy and private medical insurance provider, but most require a GP referral and authorisation from your insurance company before treatment can begin.

Step 1

Get referred – Ask your GP or specialist to refer you to your nearest Practice Plus Group hospital.

Step 2

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Confirm your cover – Contact your insurance provider to check your policy covers the treatment you need. Let them know your preferred location and/or consultant. Ask for your authorisation code.

Step 3

Book your consultation – Our friendly advisers can book your appointment for you, just have your authorisation code to hand when you call – 0330 818 8945 or send us a message via our quick form here and they’ll handle the rest.

Step 4

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Treatment and aftercare – Following your consultation, if medical treatment or surgery is recommended, we’ll invoice your insurer directly* (you may need to pay any excess depending on your policy).

Get started now

Why choose Wellsoon for your private healthcare?

We believe private healthcare should be simple and accessible. That’s why we work with major medical insurance companies to provide:  

  • Consultations at a time to suit you 
  • An expert consultant of your choice 
  • Fast access to treatment or surgery  
  • Choice of location from our network of private hospitals across England 
  • A dedicated private healthcare coordinator  

Check if we accept your insurer

    How to get started

    1
    Get referred – Ask your GP to refer you to us.
    2
    Confirm cover – Contact your insurer to check your cover.
    3
    Get authorisation – Ask your insurer for a code.
    4
    Get booked in – Contact us to book your consultation.

    Getting you back to your best

    Faster access, quality service.
    All in one place.
    Get it sorted.

    Fast access to accessible healthcare  
    • Simply make sure your insurance policy covers the treatment you need and we’ll take it from there
    • Expert consultations at a time to suit you
    • Fast access to expert treatment and surgery, if you need it

    High-quality care made to fit you  
    • Our private healthcare co-ordinators are here for you and they’ll support you throughout the process.
    • All our treatment plans are tailored. Which means from surgery to recovery and aftercare, your treatment is built around your specific needs.
    • Book your appointments at a time, place, and with a consultant that suits you

    Trusted by thousands each year  
    • Our expert orthopaedic consultants carry out 10,000+ joint surgeries each year
    • We work with all major health insurance providers, ask your insurer to come to Practice Plus Group for fast access to consultations and treatments.
    • Our hospitals, surgical centres and ophthalmology services/facilities are all rated ‘Good’ or ‘Outstanding’ by the CQC.

    Have questions about using your private health insurance? Call our friendly advisors today.

    Have questions about using your private health insurance?
    Call our friendly advisors today.

    Call us
    now on

    0330 818 8945
    0330 818 8945

    Meet our consultants

    From joint replacement to eye surgery, our first-class consultants provide healthcare for a range of specialities. All of our consultants are registered, approved, and experienced. You can search by language, treatment, and location on our website to find a selection of specialists near you.

    With the right consultant by your side, you can focus on recovery and getting back to the things you love.

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    Hear from our patients using private medical insurance

    The following patient stories detail how some of our past patients accessed private medical treatment with us through their healthcare insurance

    Hear from our consultants talking about healthcare with private medical insurance

    PMI - Gyorgy video

    Orthopaedic Consultant Gyorgy Lovasz talks Private Medical Insurance | Practice Plus Group

    Consultant Orthopaedic Surgeon, Waqar Jan, talks Private Medical Insurance | Practice Plus Group

    Private Medical Insurance video with consultant orthopaedic surgeon Nawar Abdulsattar

    Orthopaedic Consultant Nawar Abdulsattar talks Private Medical Insurance | Practice Plus Group

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    Our locations

    How to use health insurance for surgery FAQs

    Not yet found the information you’re looking for? Our dedicated health insurance FAQs can help.

    What is private medical insurance?

    Also called PMI, private medical insurance is a policy or plan that helps to cover the financial side of medical treatment. The insurance is designed to cover people in the event they develop or contract a range of different diseases and conditions. One of the main benefits of this specialist insurance is the peace of mind it provides.

    Can I get health insurance before surgery?

    Yes. However, your insurance won’t cover pre-existing conditions i.e. conditions that developed before taking out the policy. Health insurance for elderly parents is also available but please be aware it’s likely the older the patient, the higher the premiums will be.

    Does my health insurance cover surgery costs?

    Yes, however, if you were sensing a ‘but’, you’d be correct. Policies will differ provider-to-provider with regards to level of cover. You should check your policy to see if surgery costs are covered.

    Which insurance brokers do you work with?

    At Practice Plus Group, we work with the following insurance providers:

    – Allianz
    – Aviva
    – AXA Health
    – Healix Health Services
    – Vitality
    – WPA
    – Bupa
    – National Police Healthcare Scheme

    What is the average cost of surgery with insurance?

    This depends on the type of surgery you need. For example, cataract surgery costs £1,995 per eye for a standard monofocal lens, whereas knee revision surgery costs £21,199 £21,199

    How do I make a claim?

    First, you’ll likely need a GP referral to access healthcare with Practice Plus Group. You’ll need to ensure the referral contains the treatment you need and the hospital of your choice.

    Once you have this, you’ll need to call your insurance provider. Make sure you have your insurance number and the GP’s referral details to-hand. Your insurance provider will confirm whether your treatment is covered by your policy or not. If it is, you’ll be able to proceed with an initial consultation.

    How does the payment process work?

    A price is agreed by the approved insurer before the patient’s initial consultation. This is based on the GP referral and a price agreed with Practice Plus Group.

    What do I need to do before surgery?

    If you’re accessing healthcare via private medical insurance, the main thing you’re likely to need is a GP referral. This will include the type of treatment you need along with the hospital where you wish to have it.

    Other pre-surgery considerations include getting yourself physically and mentally prepared, making travel arrangements, and giving up health-damaging habits such as smoking or drinking alcohol to excess.

    How much excess will I pay?

    This depends on your health insurance policy provider and the level of cover you have. Check with your insurance provider for more details about your specific policy.

    Does insurance cover cataract surgery?

    Yes, insurance for cataract surgery is available. If you have an active health insurance policy, you’ll need to check whether cataract surgery is a condition that’s covered.

    Does health insurance cover knee surgery?

    Yes, insurance that covers knee surgery is available. If you have an active health insurance policy, you’ll need to check whether treatment for knee procedures are covered.

    **National Joint Registry data, hip and knee surgeries at all Practice Plus Group Hospitals across England in 2024.

    £95 consultation:
    £95 cost far less than many hospitals charging £200 or more. Based on data collected from other private providers over 2025.

    1. What’s included:

    1. A private consultation with a specialist consultant.
    2. X-rays if deemed necessary by the consultant.
    3. Any required blood tests as determined by the consultant.

    2. What’s not included:

    1. Additional imaging such as MRI or CT scans.
    2. Further diagnostic tests beyond standard blood tests and x-rays.
    3. Any follow-up appointments or treatments beyond the initial consultation.

    3. Eligibility:

    1. Available to self-paying patients only.
    2. Subject to consultant availability.

    4. Booking & payment:

    1. Payment must be made at the time of booking.
    2. Cancellations or rescheduling require at least 7 days notice.

    5. General conditions:

    1. The consultant will determine the necessity of x-rays and blood tests during the appointment.
    2. If further tests or treatment are required, these will be discussed, and additional costs will apply.
    3. This offer is non-transferable and cannot be combined with other promotions.

    Operations within 4-6 weeks: treatment may be longer for patients who are not considered fit for surgery on initial consultation and diagnosis.

    Consultations within 1-2 weeks: consultant availability at any given site may vary, and it may take up to 1-2 weeks for a consultation appointment. If you wish to see a specific consultant, wait times may exceed 1-2 weeks depending on their availability.

    Pricing: Our costs are uniform nationally, however customers may be required to pay for scans/tests if considered necessary on initial consultation.

    Finance: Longer-term options from 24-60 months at 14.9% APR via our finance provider, Chrysalis Finance Limited.

    Good and very good ratings: obtained from a survey of 1412 private patients who had surgery at Practice Plus Group Hospitals from 0ct 2022 – Aug 2023.

    Read full T&Cs here