You can find a policy using this comparison, which shows details of the cover and benefits each insurer offers.

Health insurance can be harder to find and more expensive if you are over 50. This is because you are more likely to claim for private medical treatment as you get older. Some insurers also have age limits on their policies.

But some insurers do not set age limits. Compare several quotes for health insurance and choose the cheapest one that offers all the cover you need.

You can get quotes from a health insurance broker, and they can also offer advice on picking the best policy.

How to choose the best health insurance

Check the cover

Each policy comes with different rules on:

  • What illnesses, injuries and symptoms it can pay to treat

  • What types of treatment it can pay for, e.g. inpatient care but not outpatient treatment

Here is how health insurance works, what conditions it can cover and what treatment it can pay for.

Check the cost

Health insurance comes with two main costs:

  • The premium is what you pay for the policy, usually charged monthly

  • The excess is how much you have to pay towards the bill yourself if you claim

You could cut the cost of your policy by choosing one that only covers exactly what you need.

A tailored over fifties policy could pay for treatment you want access to but not cover treatment you would not sure. Excluding cover you do not need could get you a better deal with cheaper premiums.

Over 50s health insurance FAQs

Q

Will health insurance cover my existing conditions?

A

Some policies can include them, but many do not pay out for them. Here is how cover for pre-existing conditions works.

Q

Do I need a medical check before I get health insurance?

A

Some policies make you fill out a declaration about your health, and some may need to run medical tests. But moratorium policies do not do this.

Q

Will my health affect the cost of my insurance?

A

Yes, some policies could charge you more if you have existing conditions. Others only charge you more if you need to cover treatment for them.

Q

Which hospitals or doctors can I use?

A

Most insurers give you a choice of several medical facilities when you are referred for treatment.

Q

Can I still use the NHS if I get health insurance?

A

Yes, you can get free treatment on the NHS or use your policy to pay for private treatment

Q

Does health insurance cover me abroad?

A

No, most of these policies only cover treatment in the UK, but you could get medical cover from your travel insurance if you go abroad.

Q

Can I get health insurance if I am disabled?

A

Yes, but some insurers do not cover treatment for any conditions that are related to your disability.