Yes, you can get cover for private medical treatment after you turn 65. But some insurers have an upper age limit on their policies. For example, if their maximum age is 70:

  • If you are 71, you could not apply for the policy

  • If you are 69, you would have to switch to a new one after you turn 70

Some insurers have higher age limits, and others do not set any age restrictions, which means you can apply for them however old you are.

Policies with no age limit also mean you do not need to switch to a new policy later once you reach a certain age.

Health insurance usually costs more as you get older, so compare your options by getting several quotes and choosing the cheapest.

How to compare health insurance

To find the right policy, use this comparison to check:

  • What it covers: Each policy covers a range of medical conditions and treatments it can pay out for. Check it covers what you need, and consider conditions you want covered when you get older, e.g. heart conditions or joint replacements.

  • The cost: If several policies offer everything you need, check the premium cost and the excess you have to pay if you claim. You can then choose the cheapest option.

Here is how to choose the right health insurance policy.

Get quotes from a broker

If you want help finding an over 65s health insurance policy, contact a broker. A broker can get you several quotes from health insurers and help you choose the best one.

Over 65s health insurance FAQs

Q

Will health insurance cover my existing conditions?

A

Some policies could 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 seniors 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 pensioners abroad?

A

No, it usually only covers treatment in the UK. You could get medical cover from your travel insurance if you go abroad, but check the age limits.

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.

Q

Can we get a joint policy as an older couple?

A

Yes, if neither of you are older than a joint policy's age limit, you could apply. Joint health insurance can sometimes be cheaper than separate policies.