Surgery Cash Plan

Cash benefits for specific surgeries

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Lines are open 9am to 5pm Monday to Friday




Surgery Cash Plan

Having a medically necessary surgery can have additional unscheduled expenses like, for example, the transportation of relatives or the care of children.

This insurance pays a cash benefit from £3,000 to £22,500 depending on the surgery, which can be used for anything that you 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.

Key Exclusions

We won't pay out in certain circumstances, which are detailed in the policy, including

- Emergency treatment, or any surgery for the same or related medical condition within 30 days of a visit to an A&E department.

- Pre-existing medical conditions as specified in your policy document.

- Any surgery which takes place outside the United Kingdom, the Isle of Man and the Channel Islands.

- Any treatment resulting from a visit to your GP within 90 days following the start date of your policy.

- Any surgery in the surgery list performed by a cosmetic or plastic surgeon.

Cover will stop for any insured person reaching the age of 75. Please refer to the policy document for full terms and conditions, exclusions and limitations.

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.