Skip to content
Get in touch
Get in touch
Get in touch

Our policy

What’s covered, and what isn’t

Arthur covers the medical treatment and diagnostics that follow a complication or unsuccessful surgery, for a year from the date of your operation — settled directly with the hospital.

Plain-English summaryRead our full terms

Inclusions

What we cover

Eligible care following a complication or unsuccessful surgery*, within one year of the covered procedure — from X-rays to revision surgery.

  • Consultations and follow-upFurther appointments with your consultant arising from the complication.

  • DiagnosticsX-rays, scans, bloods, swabs and microbiology.

  • Return to theatreIncluding revision surgery and manipulation under anaesthetic.

  • Readmission or a longer stayComing back into hospital, or staying longer than planned.

  • Intensive careFollowing an eligible complication.

  • Medication, wound care and physiotherapyTreatment and rehabilitation needed because of the complication.

Exclusions

What we don’t cover

These are the main exclusions. The full list is in our policy terms.

  • Care more than 12 months after surgeryCover runs for one year from the date of your operation.

  • Procedures or hospitals outside an Arthur programmeSee partners & eligibility.

  • Patients who don’t meet the eligibility criteriaCriteria vary by operation — for knee replacement, patients with a BMI over 40 or with diabetes.

  • Complications caused by negligenceArthur covers no-fault complications.

  • The original operation and standard stayThese are part of your hospital’s package price.

  • Treatment unrelated to your covered procedure

* Failing to alleviate or cure the patient’s symptoms to the point where further, unplanned diagnostics and interventions are required.

How cover works

Settled with the hospital, not with you.

  1. 01

    Built into the price

    The cost of cover is included in your hospital’s package price and paid for by the hospital. There is nothing extra to pay.

  2. 02

    Explained at consultation

    Your surgeon explains the potential complications of your procedure and the protection in place to cover you.

  3. 03

    One year of cover

    Cover starts on the date of your surgery and lasts a whole year.

  4. 04

    Invoiced to Arthur

    If you need eligible care, the hospital arranges it and invoices Arthur directly.

Read our full terms here

This page is a summary. The policy wording sets out exactly what is covered, the full list of exclusions and how cover works.

Arthur’s Self-Payers’ Insurance is underwritten in partnership with Mission Underwriters.

Full policy terms (PDF)

Questions about your cover? Ask your hospital, or email hello@arthurhealth.co.uk.