Does PMI cover total hip replacement?

Yes — comprehensive UK PMI policies fully fund THR at Spire, Nuffield, HCA, Ramsay, Circle and Bupa Cromwell, including robotic-assisted surgery where recommended.

How long is the wait for private hip replacement?

Typically 4–8 weeks from first consultation to surgery. Compare to 40+ weeks on the NHS in many trusts.

Is anterior approach hip replacement covered?

Yes on comprehensive policies — most private consultants at HCA and Nuffield offer anterior approach as standard, funded by all major insurers.

How much does private hip replacement cost?

Self-pay costs £13,500–£18,500 for total hip replacement. PMI covers this in full plus physiotherapy.

Does PMI cover implant costs?

Yes — implant costs are included in the surgical fee. Bupa, AXA and Aviva fund ceramic-on-polyethylene, metal-on-polyethylene and other approved implants.

Is revision hip surgery covered?

Yes on comprehensive policies where the original condition was covered. Revision is more complex — always confirm in writing.

Are pre-existing hip problems covered?

No — moratorium underwriting excludes the joint for 2 years after 5 continuous symptom-free years. Buy cover before symptoms.

How many physio sessions are included after hip surgery?

10–20 sessions per event on comprehensive policies. Aviva's 20 sessions is one of the most generous allowances.

Private hip replacement on UK PMI: consultant in a week, THR at Nuffield, Spire or HCA in 4–8 weeks vs 40+ NHS. From £68.42/mo. Call 020 4525 0884.

Private Hip Replacement Cover UK

Total hip replacement (THR) is one of the most successful operations in modern medicine (~101,000 per year in the UK). NHS median waits exceed 40 weeks in many trusts. Full-cover PMI funds consultant, MRI, THR, robotic-assisted surgery, hospital stay and physiotherapy — typically £13,500–£18,500 self-pay, covered in full. Premiums from £68.42/month.

Hip osteoarthritis is the leading cause of severe hip pain in UK adults over 55. When conservative management fails, total hip replacement delivers dramatic pain relief and function restoration — 95% of patients report significant improvement at 12 months (National Joint Registry).
A comprehensive PMI policy funds: same-week orthopaedic consultation, weight-bearing X-rays and MRI within 10 days, THR (posterior, anterior or lateral approach), robotic-assisted surgery where recommended (MAKO), inpatient stay (typically 2–4 nights), pain management, and 10–20 physiotherapy sessions.
Robotic-assisted THR is now the standard at leading private units. Bupa, AXA, Aviva, Vitality, Freedom and The Exeter all fund it. Anterior approach hip replacement (minimally invasive) delivers faster recovery — most private consultants offer it.

PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 07515 703307, or email contact@premierpmi.co.uk.

Speak to a UK PMI broker

PremierPMI's brokers are available Monday to Friday 9am to 5:30pm. Call 020 4525 0884, message us on WhatsApp 07515 703307, or email contact@premierpmi.co.uk. You can also request a callback or meet our team.