Surgery Cash Plan

✓  Wide range of surgeries covered

✓  Private or NHS

✓  Choose who you want to cover

Find out more below

Contact us on 0800 028 2257

Surgery Cash Plan

As of March 2022, more than 6 million people in the UK are waiting for medical treatment, including surgery, on the NHS. If you need surgery in the future, choosing to go private could provide you with the care you need without the wait. 

The cost of paying direct could be the biggest deterrent for anyone hoping to skip any NHS queues. But the Surgery Cash Plan could provide an affordable option for many.  Whether you choose to go private or stay with the NHS, the Surgery Cash Plan will pay a cash benefit to you directly, to use as you wish.

And if you are in doubt about the surgery recommended by your doctor, your Surgery Cash Plan comes with Virtual Medical Care, which provides a 2nd Medical Opinion at no extra charge, to give you the comfort you may need. 


Cash benefits for specific surgeries

Wide range of surgeries covered

From nerve surgery including carpal tunnel syndrome to joint replacement or repair surgery.  For the details of the types of surgeries covered and the procedure codes, click on the link below.

Private or NHS


Whether you go private or NHS you will receive a cash amount whilst you're recovering. If the surgery is with NHS we will pay 75% of the amount listed.

Choose who you want to cover

Choose cover for yourself, yourself and a partner, yourself and your children or your family (yourself, partner and children).

Children must be under the age of 18.

Find out more


To read more about Surgery Cash Plan cover, please see the policy documents for full details.

Virtual medical advice with your surgery cover

The Surgery Cash  doesn’t just cover your family’s financial needs. It also helps protect your and their health with Virtual Medical Care from Teladoc for the lifetime of your policy. This non-emergency service provides the following benefits.

Receive medical advice, prescriptions or specialist referrals 24/7

Be assessed by leading experts and ask for second opinions

Connect with a GP via a secure phone call or videocall

Use the service as often as you need it

Your subscription covers whoever is on the policy

Second medical opinion for existing diagnosis or treatment plan

Ready to Apply?

Apply for your cover quickly and easily online today.

Help to protect your family with Surgery Cash Plan

Contact us on our Toll Free Number, lines are open 9am to 5pm Monday to Friday.

An insurance company with over 100 years of experience

With roots that trace back to 1919, AIG is a global insurance company with operations in more than 80 countries and jurisdictions and we have more than 60 years' experience in the UK alone.