Get quotes from companies that offer health insurance if you are aged over 65 so you can enjoy retirement knowing you will have access to private medical care.
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Private health insurance pays out for private healthcare treatment if you fall ill or become injured during your policy’s term. In situations that your insurer covers, it means you can get access to faster or more luxurious healthcare than you could on the NHS.
You can still get health insurance if you’re over 65. Health insurance for seniors is simply tailored to an older age bracket.
Health insurance for over-65s does tend to be more expensive, because you’re more likely to fall ill.
But getting a prompt diagnosis and faster treatment can make all the difference when it comes to making a successful recovery.
Health insurance for seniors can also be trickier to find, but a specialist policy should give you the cover you need.
The benefits of health insurance when you’re 60, 65 or 70 are similar to those of health insurance at any age, and can include:
more choice when it comes to tests and treatments, and access to some that aren’t available on the NHS
shorter waiting times
access to private rooms and private hospitals
your own television and en-suite bathroom if you stay overnight
more choice and control over when and where you’re treated
No, it’s not essential because the UK has an excellent health service. The NHS offers free medical treatment to everyone. Having additional private healthcare is a luxury that not everyone is willing to pay for.
However, private health insurance gives many people reassurance that they’d be seen promptly if their health were to take a turn for the worse.
You might decide that the greater choice of treatments, shorter waiting times and nicer settings make it worth every penny.
There are many providers of health insurance for seniors. The level of cover you get depends on which insurer you choose and which policy. Of course, the policies that offer the most cover tend to be the most expensive ones.
You can usually choose from these types of policy:
This covers you for inpatient treatment only, where you have to stay overnight
This covers you for inpatient and outpatient treatment
This covers you for inpatient and outpatient treatment, and a range of additional treatments, such as physiotherapy and mental health care
Providers of medical insurance for seniors do sometimes set an upper age limit, such as 70. So, if you are 71, you can’t apply for that particular policy; if you are 69, however, you can get the policy but must switch to a new one when you turn 70.
Other policies have no upper age limit, so you can keep them for the rest of your life.
Remember that the price of health insurance usually goes up as you get older. Work out what level of cover you want, then compare policies that fit the bill. From those, you can choose the cheapest.
Look carefully at what the policy covers. Each policy covers a range of medical conditions and treatments. Check that the policy you’re looking at gives you the cover you need. Think about which conditions you want covered when you get older, such as heart conditions or joint replacements.
Also look at the cost. Although price isn’t as important as getting the right cover, there could be several policies that offer everything you need. If so, check the premium for each, and the excess fee you’d have to pay to make a claim, then choose the right policy at the best price.
Choosing health insurance can be daunting. You want the right policy for your needs, at the lowest price, and there are lots to choose from, so you might like to use our broker.
They can get you several quotes from health insurers and help you choose the best policy for your needs.
Finding the right cover is more important than finding the cheapest policy. Once you know what cover you want, start looking for the best-priced policy that meets your needs.
There are a few things you can do to lower the cost of your policy. For example:
Avoid too many add-ons: optional extras push up the price of your monthly premium. Don’t pay for things you don’t need
Only cover conditions for which you’d like private treatment: if there are some treatments you’d be happy to have done on the NHS, don’t buy cover for them. You could choose to just get cover for serious illnesses, such as cancer
Look into the six-week rule: some health insurance only pays out if the NHS wait is longer than six weeks. Choosing such a policy could save you a lot of money
Reduce your hospital list: having fewer private hospitals to choose from could cut the price of your premium
Look after yourself: some insurers offer discounts if you have a healthy lifestyle. Non-smokers and people who stay active or have a lower body mass index (BMI) are likely to get the best deals. Some insurers conduct a medical examination or questionnaire before they cover you
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.
Most insurers give you a choice of several medical facilities when you are referred for treatment.
Yes. You can choose to get free treatment on the NHS or use your policy to pay for private treatment.
Yes, but some providers do not cover treatment for conditions relating to your disability.
Yes, if neither of you is older than a joint policy’s age limit, you could apply. Joint health insurance can sometimes be cheaper than separate policies.
Compare health insurance quotes to find a deal that works for you.
By comparing health insurance, you could save money on the policy. The best value health insurance will offer the cover to you and your family need at an affordable price. Choose a cover plan from the best UK health insurance companies and see the online discounts they offer.
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Last updated: 27 April 2022