Key takeaways
- Private cataract surgery in the UK typically costs around £2,000–£3,500 per eye.
- Premium lenses that also correct your vision cost more than standard monofocal lenses.
- Eligible cataract surgery is usually covered by private medical insurance, subject to your policy terms and excess.
Cataracts are one of the most common reasons people go private — the surgery is quick, effective and life-changing, but NHS thresholds and waits push many to pay. Here’s what private cataract surgery costs in 2026 and how insurance fits in.
The self-pay price
Private cataract surgery is usually priced per eye, typically around £2,000 to £3,500 each. For both eyes you’re generally looking at £4,000–£7,000. The package normally covers the surgeon, the procedure, a standard lens and follow-up.
What drives the price
- Lens choice — a standard monofocal lens is included; premium multifocal or toric lenses that also correct long/short sight or astigmatism cost more.
- One eye or both — most people need both done, usually a couple of weeks apart.
- Hospital and consultant — location and surgeon reputation affect the fee.
- Any added diagnostics — scans and assessments may be included or extra.
How insurance changes the maths
Where a cataract develops while you’re insured, private medical insurance will typically cover the surgery subject to your policy terms and excess. It’s worth checking whether your policy covers a standard lens only — some people choose to “top up” to a premium lens and pay the difference themselves. We can help you read the small print before you commit.
Cataract surgery is one of the clearest cases where cover pays for itself — a routine op that quickly restores your sight.
The honest catch
As with any PMI claim, a cataract already diagnosed before you took out the policy will usually be treated as pre-existing and excluded. Cover works when it’s in place before the problem appears. If you’ve already been told you have cataracts, self-pay is likely the route.
Check your options with us
ComparePMI compares how different insurers handle cataract cover and lens options, so you can see them side by side. We don’t give advice or favour any insurer; if you’d like advice or decide to go ahead, we introduce you to an FCA-authorised firm who provides it and arranges your cover. It’s free and there’s no obligation.
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This article is general information, not personal advice. Cover, terms and availability vary by insurer and individual circumstances. ComparePMI is the trading style of ComparePMI Limited (company no. 16755241), an independent comparison and introduction service, not tied to any insurer. We do not provide advice or arrange cover ourselves and are not FCA-regulated; we introduce you to FCA-authorised and regulated firms who provide the advice and arrange your cover.