Using your private health insurance

Always contact your insurer before booking an appointment with us so they can pre-authorise your treatment. Your insurer will check that your policy covers you to see a consultant and for any investigations or treatments.

Before you come in to the clinic

Gather the insurance details you’ll need to before booking your outpatient appointment:

  • Your policy documentation even if you have attended a Spire hospital before
  • Your insurance company name and scheme details
  • Your membership or policy number
  • Any confirmation of eligibility such as a pre-authorisation or claim reference number

If you can't provide full insurance details or if your insurance doesn't cover the full cost of your outpatient treatment, we'll ask you to pay any excess charges on the day of your visit.

Payment process

For most patients, treatment costs are based on agreements with your insurer and payment will be made direct by your insurance company.

The private hospital may charge for it’s services such as nursing, use of our facilities, medical consumables etc.

To make things easier for you, we have direct settlement arrangements with the major UK insurance companies. Your insurer will normally settle your bills from your consultation and us directly.

We’ll ask you for your credit card details when you register. This is to cover any insurance excess or shortfall your insurer is not liable to pay. Your details will be kept securely and we will notify you in advance if it’s necessary to use them.

The hospital will also ask for your payment details when you first register but will not charge you anything without first informing you.

We do not share your payment details with the hospital or anyone else in order to keep them secure.

Insurance company contact details

New customers: 0800 056 7654
Existing customers: 0800 158 3333

AXA Health
New customers: 0800 111 4004
Existing customers: 0800 454 080

New customers: 0800 600 500
Existing customers: 0345 609 0111

New customers: 01475 492 222
Existing customers: 0345 722 4462

CS Healthcare (now part of Bupa)
New customers: 0800 917 4325
Existing customers: 020 8410 0400

The Exeter
New customers: 0300 123 3250
Existing customers: 0300 123 3200

General & Medical
New customers: 0800 980 4601
Existing customers: 0800 970 9442

New customers: 0800 028 0849
Existing customers: 020 3819 7159

inSpire Health Plan
New customers: 0333 443 2202
Existing customers: 0800 056 4864

Police Mutual
Healthcare customers: 01543 441 630

New customers: 0800 015 0226
Existing customers: 0845 300 0867

New and existing customers: 0800 294 6796

Vitality Health**
New customers: 0800 779 955
Existing customers: 0345 602 3523

New customers: 0800 298 9588
Existing customers: 01823 625 000

*Part of AXA **Previously PruHealth

If your insurance company is not listed above, please refer to your policy documents for the appropriate phone number.

Gareth Stables

Cheshire Orthopaedic surgeon, Mr Gareth Stables, is a fully UK trained Consultant Orthopaedic Surgeon specialising in knee surgery. Gareth has the highest qualifications possible for an orthopaedic surgeon in the UK, FRCS (T&O), and is on the GMC specialist register for Trauma and Orthopaedic surgery.

Gareth specialises in; keyhole or knee arthroscopy surgery, ligament reconstruction surgery, knee osteotomy and knee replacement surgery. He has over 15 years of experience in the field having qualified with a commendation in 1998 from the University of Liverpool Medical School.

"My life was transformed and the pain almost negligible.... Now no painkillers or stick. I cannot thank my caring consultant enough. I will be ever grateful for his wisdom"

"Brilliant treatment from start! Had arthritis in knee joint.Was given injection and the effect was immediate! Brilliant. Would recommend to anyone. One of the most helpful doctors I have ever seen(and I`m 73 !!)"

"Mr Stables was very understanding, patient and thoroughly competent. I would recommend anyone to have knee replacements by him. The whole experience was worthwhile and very good for my quality of life."