Compare health insurance for over 65s

What is private health insurance? 

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.

What are the benefits of health insurance for seniors?

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:

Do I need health insurance for seniors?

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.

How much cover will I get with medical insurance for over 65-year-olds?

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:

Is there an age limit for health insurance for over 65-year-olds?

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.

How to compare health insurance for over 65-year-olds

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.

Will I be able to find cheap health insurance for over-65s?

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: