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Covered by your country's public health service under the Cross Border Directive.
A hernia is a bulge where part of the inside of your belly pushes through a weak spot in the muscle wall, often in the groin, and it can ache when you lift, cough or stand for a long time.
Your hernia repaired without the public wait: a fixed price in a private hospital in another EU country, paid back by your public health service. The hospital, the surgeon, the price and your stay are in writing before you decide.
Free · no commitment · no documents · by video or phone, at a time you pick
Your right under EU law since 2011
290,000claims paid back to patients across Europe in 2024
Your rights under the schemeHow long you wait for a hernia repair depends on where you live: waiting times differ widely between EU countries, and between regions within a country. We look at your own wait with you.
Your own public health service's published waiting times; no single European figure is quoted here
Eight steps from the first conversation to your refund. You commit at step 4, not before.
Before you commit
Stop at any time, at no cost
You
Schedule a free call, by video or phone, at a time you pick. We check your country's rules with you and tell you how the route works for a hernia repair.
You · about 15 minutes
Your details and documents, uploaded securely. You usually need a referral for a hernia repair from your own doctor, or a letter showing you are on a public waiting list for it; we tell you what your country asks for.
Ablement · within 1 to 2 working days
You get a clear yes or no on whether you are eligible for a hernia repair in another EU country, checked against your country's rules.
Ablement · within 5 working days of a complete file
We ask the hospitals and send you one written proposal: the hospital, the surgeon, the price of your hernia repair, the dates and your expected refund.
After you commit
We stay with you to the refund
The hospital
The hospital confirms your date in writing within 10 working days of your acceptance, and then you book your travel. Whether you stay a night in hospital depends on your operation and your surgeon; the hospital's written plan says how long you will be away.
The hospital
You meet your surgeon before the operation, by video before you travel or in person at the hospital, as your country's rules and the hospital allow. You have your operation and fly home when the surgeon says you are fit to fly. You pay the hospital directly and send us the documents for your claim.
Ablement · within 5 working days of your return
We send your signed claim to your public health service and follow it until you are paid. How long the decision takes depends on your country; we tell you before you decide.
Your own doctor
Your own doctor and the public system take over, as if you had the operation at home. Ask the surgeon about lifting before you leave; your own doctor follows up from there.
One contact person, from the first conversation to the refund.
Easy to reach at every step. A family member can join every call.
Nothing. The hospital that treats you pays us a referral fee.
One fixed price for your hernia repair, in writing before you commit. You pay the hospital directly, before your public health service pays you back.
Pays you back up to what a hernia repair costs in the public system at home, under your country's own rules.
Your country's public health service pays back the cost of your hernia repair up to what that operation costs in the public system at home, or the hospital's invoice if lower, under your country's own rules; your proposal shows the expected refund. You receive it after the treatment, into your own account; it does not pay for travel, a hotel or a companion. Whether your country asks for permission in advance, called prior authorisation, we check with you on the call. The price is fixed in writing before you accept, and if no hospital offers one the refund covers, we put the gap in writing and you choose.
What is paid back, and when
Kaare Beck-Fischer, Chief Executive Officer
No commitment and no documents needed.
Free · no commitment · no documents · by video or phone, at a time you pick
A hernia is a bulge where part of the inside of the abdomen pushes through a weak spot in the muscle wall, most often in the groin. In a hernia repair the surgeon pushes the bulge back into place and closes the weak spot, usually with a thin mesh that strengthens the wall and reduces the chance of the hernia coming back. It can be done through one cut over the hernia (open repair) or by keyhole surgery through a few small cuts, under a local, a spinal or a general anaesthetic; the surgeon decides which with you.
The operation usually takes well under an hour. You walk the same day, and the main rule afterwards is no heavy lifting for some weeks while the repair heals. The aim is an end to the ache and the bulge, and a wall that holds.
Short answers to what people ask us most. Open a question to read the answer.
All frequently asked questionsYour question isn't here?
Ask us in the chat Or send us a message from the Contact pageEither is possible. Your surgeon decides which applies to you, and the hospital's written plan says how long you will stay. The refund follows your country's own rules for the operation, and the written proposal says what the price covers and what you can expect back.
Both are used. The surgeon decides with you at the consultation which is right for you. The written proposal states which operation the price covers.
Usually within a few days, when the surgeon has checked the wound and says you are fit to fly. Ask the surgeon for instructions about lifting for the weeks after, and it helps to have someone with you to carry the luggage.
No. The Cross Border Directive does not ask you to leave a waiting list to use it, and you stay on it until you have been treated. Once your operation is done abroad, you let your hospital at home know, so it can take you off the list. If you change your mind before then, nothing has changed at home.
Yes. You pay the hospital directly, and your public health service pays you back afterwards; how long that takes depends on your country, and we tell you before you decide. Some people use savings or help from their family. We do not lend money or arrange loans, and no money of yours passes through us.
You see the hospital and the surgeon's name in writing before you decide anything, and you have a consultation with the surgeon before the operation. Every hospital we work with must be registered with its country's health authorities, use surgeons who specialise in the operation, give its price and its terms on complications in writing, and give you an English-speaking contact person. The hospital that treats you is responsible for your care, and it must have a complaints procedure. We help you deal with the hospital, and at home your own doctor takes over as after any operation.
There is no catch. The hospital that treats you pays us a referral fee; you never pay us anything, and the hospital's price is fixed in writing before you accept. You can stop at any time before you sign with the hospital.
The Cross Border Directive is EU law, and 290,000 claims were paid back across Europe in 2024 alone. The refund is yours when your country's rules are met: usually a referral, any permission your country asks for in advance, the itemised invoice and your receipt. We check your country's rules with you before you pay anything, and we prepare the claim with you.
Yes. A family member can join every call and meeting, be named on your Consent Form and travel with you. Their travel and hotel are your own cost.
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