Question 1

Which insurers is Ms Pearsall recognised by?

Accepted Answer

Ms Pearsall is recognised by Bupa, AXA Health, Aviva, Vitality, WPA, Cigna, Healix and Allianz, and also sees self-paying patients. Recognition and fee-assurance status can change, so the secretary confirms your specific policy when you book.

Question 2

Is cataract surgery covered by private medical insurance?

Accepted Answer

Medically necessary cataract surgery is covered by most UK policies once vision is affected and pre-authorisation has been given. Premium lens upgrades — multifocal, extended-depth-of-focus and toric lenses — are normally treated as a self-pay top-up because they correct focus as well as the cataract.

Question 3

Is lens replacement (refractive lens exchange) covered?

Accepted Answer

No. Refractive lens exchange and laser vision correction are elective procedures, so they are self-pay. You receive a written quotation covering the consultant fee, hospital fee, lens and follow-up.

Question 4

Do I need a GP referral?

Accepted Answer

Almost always, yes. Insurers usually require an open referral from your GP or optometrist before authorising a consultation. A few policies allow self-referral — check with your insurer first.

Question 5

What if my policy has an excess or a shortfall?

Accepted Answer

Any excess is payable directly to your insurer's terms, and you are told in advance if a shortfall between the insurer's benefit and the fee is likely, so there are no surprises on the invoice.

Question 6

Can I be seen without insurance?

Accepted Answer

Yes. Self-pay patients are very welcome and are given a fixed written price for consultation, scans and treatment before committing.

Private Medical Insurance & Self-Pay

Insurers accepted

Using your insurance — step by step

What is usually covered

Usually self-pay

Insurance questions