A private hospital price list for the UK is the hospital's own document: the cash prices it charges a patient who pays for an operation themselves, with no insurer involved. We do not hold one, and this page does not pretend to. The nearest thing on this site is private health insurance versus the NHS, which puts private hospitals' published cash prices for a set of common operations beside the NHS waits for the same specialties.
What is here is the insurer's half of private hospital pricing, the half that applies once you are insured: which hospitals a policy will pay at, what it pays if you go elsewhere, and what the excess and the out-patient limit leave with you. The decision underneath that, for a buyer, is which hospital list to pay for. Ask for the same cover priced on more than one list. To reach an FCA-authorised broker, fill in the form on this page. That broker does not cover the whole market, and an insurer direct is always open to you, but the conversation costs nothing and takes minutes.
Why there is no private hospital price list on this page
Private hospital pricing has two layers, and the search phrase names the one we cannot show. The first is the self-pay tariff: a fixed cash price for a named procedure, set by the hospital for patients paying their own way. A tariff like that belongs to the hospital that wrote it, so private hospital prices in the UK are not one list to look up but a question to put to each hospital's self-pay team. The evidence behind this page holds none of them: no table of operations, no cost per night, no figure for a scan.
The second layer is what an insurer pays the hospital on your behalf, and that is a matter of the policy rather than of the hospital's tariff: which hospitals are on your list, whether the insurer keeps a fee schedule for the consultant, the excess you chose and any out-patient limit. None of the rules quoted below is a price; they are what turns a hospital's price into your bill, which for an insured patient is the only number that matters.
Two things this page will not do. It will not give a premium, because we hold no premium data; what cover costs per month and what it costs per year explain what moves that figure. And it will not say whether a particular hospital is on an insurer's list: we hold no insurer's list, only an extract of each policy, so a hospital's absence from this page says nothing about any list.
How a policy decides which private hospitals you can use
Five of the seven wordings this page draws on tie payment to place, and the names in them are the ones to look for on a quote. The Exeter's product summary sells four "treatment options": a guided-specialist route and three hospital lists it calls Essential, Standard and Extended. Saga's policy book branches on whether you chose its Countrywide Hospital List, its London Upgrade, or Guided Care. WPA's product summary describes a choice of 1,000 hospitals, clinics and scanning centres and sells an addition to it, Premium Hospitals, primarily in central London, which is why a search for private hospital London prices is, for an insured person, a question about which tier the policy was bought on. AXA Health pays a CT, MRI or PET scan in full at a scanning centre in its Directory of Hospitals when a specialist has referred you, so an out-patient scan has a "where" just as an operation does. All four of those wordings are quoted in full on private health insurance hospital lists explained; that page is about the list, this one is about what the list does to the money.
Aviva's terms add a word the other extracts do not use. Alongside "your hospital list" they refer to "our networks", and one clause we hold makes the distinction do some work:
"The £0 limit does not apply to out-patient treatment received through some of our networks"
— Aviva, Healthier Solutions terms and conditions (April 2025 issue), page 8, read 4 September 2026.
That is the £0 out-patient option, covered below. On Aviva's wording a network is a route to treatment that can sit outside the ordinary limits; the extract does not say which networks or which treatment, so neither will we. If a quote mentions a network, ask what it covers and whether using it is a choice.
One note on every Aviva clause here: the issue we read is April 2025, from a copy in a broker's document library, and Aviva has since published a March 2026 issue we have not checked. Read the quotations as the wording we saw, not as Aviva's current terms.
What the insurer pays when the hospital is not on your list
This is the closest any document we hold comes to a price list, and it is a rule rather than a number. Aviva's terms say what happens when a member is treated somewhere Aviva recognises but which is not on their list:
"If you receive treatment as an in-patient or day-patient in a hospital or facility that is not: • included on your hospital list, or • included on one of our networks, or • an NHS pay-bed at an NHS hospital but is recognised by us, we will calculate the average cost of hospital charges for equivalent treatment across all hospitals on your list and that average cost is the maximum we will pay"
— Aviva, Healthier Solutions terms and conditions (April 2025 issue), page 13, read 4 September 2026. This clause and the fee-schedule clause below are borrowed from the evidence behind our hospital-lists page, because they answer this page's question directly.
Three kinds of place sit outside the cap: your list, Aviva's networks, and a pay-bed in an NHS hospital. A recognised hospital that is none of the three is capped at an average of the prices across the list you bought, so the most Aviva pays there is not that hospital's price, and if the hospital charges more than the average, the gap is yours. The wording gives no figure for the gap, because it depends on your list and where you went. The same rule is set out again for the "Fair + Square hospital list" (same terms, page 12), and it reaches "in-patient or day-patient" treatment only; what Aviva pays for an off-list out-patient consultation is not in any extract we hold.
The list reaches the consultant's fee as well, through a document that belongs to the insurer rather than to the hospital:
"Hospital lists If you have a hospital list, we cover specialists’ fees up to the limits in our fee schedule"
— Aviva, Healthier Solutions terms and conditions (April 2025 issue), page 15, read 4 September 2026.
A fee schedule is the insurer's own tariff for specialists' fees, and on a hospital list the consultant is paid up to it, not up to whatever the consultant charges. We do not hold Aviva's schedule; the question it leaves is whether the consultant you are referred to charges within it, which the insurer can answer before treatment and you cannot after.
Take the hospital you would actually be treated at, by site rather than group name, and ask whoever quotes you, in writing, whether it is on the list the quote is priced on and what is paid if it were not. Put both to a broker as well as to any insurer you approach direct; a broker is reachable through the form on this page — FCA-authorised, not whole-of-market, and free to talk to.
The excess and the out-patient limit: the rest of the hospital bill
Once the hospital is on the list, two more numbers on the quote decide how much of its bill is yours. Both have pages of their own, what a private health insurance excess is and private health insurance benefit limits explained, and how much excess should you choose sets four insurers' excess wording side by side. What belongs here is what the two do at hospital scale.
The excess is the first slice of a bill, and on a hospital bill the slice can be large. Aviva offers six excess options — £100, £200, £500, £1,000, £3,000 and £5,000 — payable "for each member every policy year" (same terms, page 11), and three of its worked examples set that range beside a hospital's bill. A £5,000 excess against £10,000 of treatment in a policy year leaves the member paying the first £5,000 and Aviva the rest; and if the treatment carries on into the next policy year another excess applies, so the first £5,000 of that year's treatment is the member's too (same terms, page 12, both quoted in full on what cover costs per year). And £1,000 of treatment against a £1,000 excess leaves the member meeting all of it (same terms, page 12), which what cover costs for teachers quotes. The figures in all three are Aviva's own examples, not recommended levels.
Read against a hospital's prices, those examples say two things. The renewal date matters as much as the price: an operation late in one policy year with follow-up early in the next can cost two excesses on this wording. And do not assume another insurer counts it the same way — Bupa's worked example, Freedom's collection wording and WPA's 25% co-payment alternative are each quoted on the excess pages linked above.
The out-patient limit governs the part of a hospital visit that happens without a bed: the consultation, the blood tests, the scan. Aviva pays benefits "up to the amounts shown after the excess has been paid" (same terms, page 12), and its worked example stacks the two: on a £200 excess, against treatment whose benefit limit is £500, the member meets the first £200 and the policy then covers up to £500 more towards that benefit in the year (same terms, page 12, quoted in full on the per-year page linked above).
The excess sits in front of the limit on this wording, and the limit is paid on top. What the limit is depends on the option chosen. One Aviva row says a group of out-patient benefits is "subject to a combined out-patient limit of either £500 or £1,000 for each member, every policy year" (same terms, page 7); the extract does not list which benefits, so neither do we. Choosing that reduced limit also removes cover, in every setting, for complications of pregnancy and childbirth and for surgical procedures on the teeth performed in a hospital, which the benefit-limits page quotes in full. And there is an option below it:
"If you have chosen option reduced out-patient cover – £0 limit we do not cover treatment as an out-patient, including consultations and diagnostic tests"
— Aviva, Healthier Solutions terms and conditions (April 2025 issue), page 24, read 4 September 2026.
On the £0 option the consultation that leads to the operation and the tests that confirm it are not the insurer's at all, unless they come through one of the networks the earlier clause mentions: not a first slice, but a whole category you pay every time. WPA caps specialist consultations at £250 a policy year as standard, raised by an optional extra, and Bupa keeps its Direct Access assessment outside both the excess and the out-patient allowance; both are on the benefit-limits page. The question for any quote is which of the things that happen before you are admitted count against the figure.
| Clause we hold | What it says about where you are treated | What it says about the money |
|---|---|---|
| Aviva, Healthier Solutions terms (April 2025 issue), pages 7, 8, 11, 12, 13, 15 and 24 | Your hospital list, Aviva's networks, or an NHS pay-bed | Off the list, the average across your list is the maximum paid; specialists' fees up to a fee schedule; six excess options from £100 to £5,000 per member per policy year; out-patient limit £500 or £1,000, or £0 |
| WPA, Complete Health IPID (November 2025), pages 1 and 2 | 1,000 hospitals, clinics and scanning centres; Premium Hospitals adds central London | Excess per policy year, or a 25% co-payment to a chosen ceiling; £250 on out-patient specialist consultations unless extended |
| Bupa, Bupa By You guide (2024), pages 7 and 10 | Not in the extract we hold | Excess once a policy year in the worked example; a Direct Access assessment draws on neither excess nor out-patient allowance |
| Freedom, Elite guide (April 2025), page 31 | Not in the extract we hold | Excess deducted invoice by invoice, then paid by you to the provider |
| The Exeter, Health+ IPID (October 2025), page 1 | Guided specialist, or an Essential, Standard or Extended hospital list | Not in the extract we hold |
| Saga, HealthPlan Super policy book (May 2025), page 2 | Countrywide Hospital List, London Upgrade, or Guided Care | Not in the extract we hold |
| AXA Health, Personal Health handbook (October 2024), page 4 | A Directory of Hospitals, including scanning centres | A CT, MRI or PET scan paid in full at a listed scanning centre, on a specialist's referral |
Seven insurers, one clause or a handful from each, and not one of them a price. Every document above was read on 4 September 2026; where a cell says the extract is silent, the full document may well speak. The rows are questions to put to a quote, not a ranking.
What to check before you choose a hospital list
- The list's name, on the quote. Essential, Standard, Extended, Countrywide, with or without a London tier: the quote should say which, in the insurer's words.
- Your hospital, by site — where you would actually go, checked against the list rather than a group name.
- What is paid off the list. Aviva's answer is an average across your list for in-patient and day-patient treatment; ask every insurer for its own, in writing, and separately for out-patient treatment.
- Whether the consultant is inside the fee schedule, and what happens if not.
- Which out-patient option the quote carries, and whether the consultation and tests at the hospital draw on it.
- How the excess counts: per member or per policy, once a year or per claim, and what happens when treatment runs past renewal.
Those are the questions a quote should answer before you read its price; where one cannot be, that is itself an answer.
Questions about private hospital prices and cover
How much does it cost to go to a private hospital in the UK?
We hold no price list, so there is no figure here to give you: a self-pay price depends on the operation and on the hospital, which sets its own. The cash prices this site does carry are on private health insurance versus the NHS. If you are insured, the hospital's price is not your bill: what is left to you is the excess, anything above an out-patient limit and, off the list, whatever sits above the insurer's cap.
How much is a private hospital stay per night, or a private room?
We hold no per-night or per-room figure. On Aviva's wording the categories are "in-patient or day-patient", a stay with a bed or a same-day admission, and whether the hospital is on your list decides which terms apply. Private treatment in an NHS hospital is what the clause calls "an NHS pay-bed at an NHS hospital", and it keeps that outside the off-list cap; what one costs is the hospital's figure.
How much is private health insurance per month?
We hold no premium data, so there is no figure here, and anyone who gives you one without asking your age, postcode, hospital list, excess and out-patient option is guessing. The hospital list is one of the things a quote is priced on; by how much, and which way for you, is not in any document we hold. What cover costs per month and what it costs per year explain what moves the figure.
Where is the price list for Spire, Nuffield Health, Kingsbridge, or a private hospital in Leeds or Manchester?
From the hospital itself: its website or its self-pay team. This page reproduces no hospital's tariff, and we hold nothing on what any particular site publishes. For an insured patient the useful check is whether that site, rather than the group it belongs to, is on the list your quote is priced on. Lists name sites.
Is there a private hospital test price list?
Not here. On Aviva's wording diagnostic tests are out-patient treatment, so the out-patient option on your quote decides whether the policy pays for them at all: its £0 option excludes "consultations and diagnostic tests" outright. AXA Health pays a CT, MRI or PET scan in full at a scanning centre in its Directory of Hospitals, where a specialist has referred you. What a hospital charges a self-paying patient for the same scan is the hospital's figure to give.
What does ACL surgery cost at a private hospital?
No figure for a cruciate ligament repair appears anywhere in our evidence, and we will not estimate one. If you are insured, what matters is whether the hospital is on your list, whether the surgeon charges within the insurer's fee schedule, and what your excess is; on Aviva's worked examples an excess equal to the cost of the procedure leaves the whole bill with you.
Can you pay a private hospital monthly?
We hold nothing on hospitals' own payment plans. With insurance, the thing paid monthly is the premium; the excess is settled when you claim, and on Freedom's wording you pay it to the provider once the insurer has deducted it from your invoices.
Are the Mater, St Vincent's, Raslouw or Hoedspruit price lists here?
No. The Mater Private and St Vincent's Private are hospitals in Ireland, Raslouw and Hoedspruit are in South Africa, and a search for private health insurance in Ontario is about Canada; this page is about UK policies from UK insurers paying UK hospitals.
If a particular hospital is the reason you are buying, put it on the quote first and read the price second. Fill in the form on this page, and ask whoever quotes you which hospital list the price is built on, and what the same cover would look like on another; the broker you reach is FCA-authorised and does not cover the whole market, and what the hospital costs you becomes a thing you chose rather than a thing you found out.