With NHS waiting lists reaching record highs in 2025, more UK residents are turning to private healthcare for faster access and greater control. Whether you need a one-off consultation or long-term coverage, understanding how to navigate the private system is essential.
Private healthcare in the UK is available through two main routes: self-pay and private medical insurance (PMI). Self-pay allows you to book and pay for individual treatments directly, while PMI offers ongoing coverage for a range of services. According to BBC News, over 7.9 million people were on NHS waiting lists by mid-2025, prompting a surge in demand for private consultations and diagnostics.
To begin, identify your healthcare needs. Are you seeking faster diagnostics, elective surgery, or specialist advice? Private providers offer services across nearly all non-emergency areas, including orthopaedics, dermatology, cardiology, and mental health. Emergency care remains the responsibility of the NHS.
Next, decide whether to use insurance or pay out-of-pocket. PMI is ideal for those who want peace of mind and regular access, while self-pay suits individuals with specific, one-off needs. Leading insurers include Bupa, AXA Health, Vitality, and WPA. Policies vary in coverage, so it's important to compare benefits, exclusions, and excesses before committing.
Finding a provider is straightforward. You can contact private hospitals directly or use comparison platforms to explore options. Many facilities offer online booking and virtual consultations. Popular providers include Spire Healthcare, Nuffield Health, and Circle Health Group. These organisations have expanded digital services to meet rising demand.
Some treatments require a GP referral, even in private care. You can use your NHS GP or book a private GP appointment, which typically costs £80–£150. Once referred, you'll receive a quote outlining consultation fees, diagnostic costs, and any follow-up charges. According to The Guardian, private hospitals have reported a 30% increase in elective surgery bookings since spring 2025, driven by NHS delays and rising patient frustration.
Costs vary widely. A private MRI scan may cost £400–£700, while minor surgery can exceed £2,000. Always request a detailed breakdown before proceeding. Some providers offer fixed-price packages for common procedures, which can simplify budgeting.
After your appointment, you'll receive treatment notes and invoices. Most providers offer secure online portals for accessing your records. If you have insurance, you'll need to submit claims with supporting documents, including referral letters and receipts. Claims are typically processed within 5–10 working days.
Private healthcare isn't just about speed—it's about choice. You can select your consultant, schedule appointments at your convenience, and often access more comfortable facilities. While it comes at a cost, many find the investment worthwhile for peace of mind and timely care.