The Cost of Private Hip and Knee Replacement: Self-Pay and Insurance Options

Cost is one of the most common — and understandable — questions patients have when considering private hip or knee surgery. Here's an honest, straightforward look at how it works.

What Determines the Cost

The overall cost of hip or knee replacement surgery depends on several factors: the complexity of your case, the type of implant used, whether robotic-assisted techniques are involved, the length of your hospital stay, and the specific fees of the surgeon, anaesthetist, and hospital. Because of this, costs genuinely vary between patients, which is why a personalised quote — rather than a generic headline figure — gives the most accurate picture.

If You Have Private Health Insurance

Mr George is recognised by all major UK insurers, including Bupa, AXA Health, Cigna, Healix, Aviva, Vitality, WPA, Alliance Health Group, and The Exeter. If you're insured, your first step is usually to contact your insurer to confirm your policy covers orthopaedic treatment and to obtain pre-authorisation before proceeding.

It's worth checking your policy for any excess you're responsible for, and whether your specific consultant and hospital choice are covered — the practice team can help guide you through this process.

Self-Pay Options

If you don't have insurance, or prefer to pay privately, self-pay treatment is available at The Rivers Hospital, with costs discussed transparently and confirmed in writing before you proceed. Fixed monthly payment plans are also available through the hospital, spreading the cost of treatment over a period to suit your circumstances, rather than requiring a single upfront payment.

What's Typically Included

A private hip or knee replacement package generally covers the surgeon's and anaesthetist's fees, hospital accommodation, theatre costs, the implant itself, and routine follow-up appointments. It's always worth confirming exactly what is and isn't included in any quote you receive, since packages can vary.

Comparing NHS and Private Routes

Choosing between NHS and private treatment often comes down to waiting times, choice of surgeon and hospital, and personal circumstances rather than clinical quality alone — both routes can lead to excellent outcomes. Private treatment typically offers significantly shorter waiting times and greater control over scheduling, which is a common reason patients consider it.

Getting an Accurate Quote

Because so much depends on your individual case, the most reliable way to understand your likely costs is through a consultation, where Mr George can assess your specific situation and the practice team can provide a clear, personalised breakdown of fees — whether you're insured or self-paying.

There's no obligation attached to asking — most patients find it far easier to make a decision once they have real numbers in front of them, rather than guessing based on general online figures.