How much it costs to skip the NHS queue and get your hip done privately

Telegraph

2 days ago

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With the NHS backlog close to eight million, desperate patients are being forced to consider shelling out for life-changing treatment themselves.
Long delays have meant going private for hip operations has become a popular option for those who can afford it, or who are fortunate enough to have private medical insurance.
The number of self-funded hip replacements has soared since 2019. So much so, private hospitals have overtaken NHS hospitals for the number of joint operations performed.
Going private to get a new hip may be tempting, but it can also be expensive. Here, Telegraph Money talks you through how to get the best deal.
How much does a hip replacement cost?
The average cost of a hip replacement surgery without health insurance is £14,412, according to consumer information website myTribe Insurance.
Costs range from £11,299 to £18,405 depending on the provider. But direct price comparisons can be misleading, and digging into the details is essential.
Chris Steele, healthcare expert and founder of myTribe Insurance, says: 'What each hospital offers for the price will differ, with some including pre-consultations and follow-up physios and others not.
'You might think that one quote seems expensive but find that it includes more follow-up appointments, other treatments and rehabilitation.
'Some surgeons may quote the cost of replacing both hip joints, while others will start with one hip only.
'It's best to check what the quote includes first.'
Picking a provider
While cost is a crucial factor in deciding which provider to choose, quality of surgery and care should come top of the list.
The best place to start is the Care Quality Commission website for information on hospital accreditation and ratings, including for patient safety, cleanliness and quality of care.
All independent healthcare providers are also legally required to submit certain performance data to the Private Healthcare Information Network (PHIN). Data is submitted at both hospital and consultant level and is published on PHIN's website.
Mr Steele says it's important to check the qualifications and experience of the surgeons themselves: 'While each of the hospitals will have preferred surgeons and will likely employ them, they'll also have surgeons that they use on a more occasional basis, much like a contractor.
'As it's the surgeon performing the surgeries, not the hospital, I'd be looking for surgeon ratings as well as the hospital's.'
With high costs in the UK, a number of people in need of hip replacements travel abroad.
Clinics in Lithuania, Poland and Hungary are popular destinations. Many offer packages with aftercare and physio from between £5,000 and £9,000. Georgia is the cheapest country, offering hip replacements for under £2,500.
A reciprocal post-Brexit healthcare agreement, known as 'The S2 funding route', allows patients to undergo planned treatment, such as hip operations, in an EU country or Switzerland through its state healthcare system.
A patient's home state foots the bill, but you must meet strict criteria to be approved under the scheme – including a doctor confirming that your wait for treatment on the NHS would count as an 'undue delay'.
However, patients have reported a gruelling S2 application process, and have told the Telegraph the process involved jumping through 'hoops of fire', only to be rejected.
Paying for a hip replacement
The ideal scenario is to claim the cost of a hip operation on private health insurance.
Mr Steels says: 'Don't forget to call your insurer after visiting your GP to activate your insurance. Have your referral details to hand when you call, as your insurer will need this information to confirm that the treatment you need is covered by your policy.'
As health insurance is designed to cover medical issues that occur after you take out the policy, pre-existing conditions aren't covered. This means that if you don't already have insurance but are on an NHS waiting list for the procedure, or have seen the GP about your joint, you won't be able to take out private insurance to cover the cost.
If you don't have private medical insurance but have the cash required, most private hospitals have a self-pay option. You'll be able to pay for an initial appointment and get a fixed price quote for the surgery.
Alternatively, many providers allow you to spread the cost with a medical loan.
Chrysalis Finance, for example, which works with major private hospital groups including Circle and Nuffield, offers to spread the cost of surgery over a maximum of five years, at 14.9pc yearly interest between two and five years, and has zero-interest options for shorter periods.
Mr Steele says: 'Many private hospitals offer the option to spread the cost of your treatment, so if that's the route you're likely to take, remember to factor the cost of the finance into your decision-making process.
'You may find that while one private hospital charges more for the surgery, they have better finance terms and are therefore ultimately cheaper than others.'
Factors that can influence the cost of hip replacement surgery
A number of factors can impact the cost of a private hip replacement.