Yes, if you're over 70, you can still get health insurance. Our comparison shows what cover is available.

Private health insurance for over 70s works in the same way as for other ages, but your options are limited. To find the right policy, consider:

  1. The level of cover you need

  2. Your medical history

Working out what you need before getting quotes can help you find the best policy.

Work out the cover you need

Health insurance typically covers you if you are:

  • A day patient: You attend appointments and don't stay overnight.

  • An inpatient: You stay in hospital during treatment.

  • An outpatient: You receive hospital treatment without staying overnight.

There are several cover options available. Our comparison includes options like:

  1. 1.

    Treatment only: A budget option that covers just day and in-patient treatments.

  2. 2.

    Mid-range: Which covers day, in-patient and some outpatient treatments.

  3. 3.

    Comprehensive: Where all three patient levels are covered. It can include extras, but this depends on the insurer.

Some policies cover if you need to see a specialist like a:

  • Dentist

  • Optician

  • Audiologist

Some insurers also cover alternative treatments like osteopathy and acupuncture, but this may cost extra.

Before you decide check if having these options will increase the cost of cover.

Declare your medical history

Most insurers only offer underwritten policies when it comes to health insurance for older adults. This means that they will need detailed information about your medical history before they give you a quote.

Always be honest about your medical history. Incorrect or withheld information can invalidate your policy, and leave you uninsured.

Shop around

Compare quotes from several insurers. Each has their own terms and conditions and levels of cover so read the policy details carefully to find cover that is right for you.

Check that you can afford to pay any excess if you decide to make a claim. If you can't, then your claim may be rejected.

Over 70s health insurance FAQs


Can I still get treatment on the NHS if I have health insurance?


Yes, you can still use the NHS to get free treatment.


How can I make a claim?


You will need to contact your insurer. Here is how you can claim on your health insurance.


Do I have to get health insurance?


No, health insurance is not a legal requirement but you can get treated sooner and receive better facilities if you have it.


Will I be covered abroad?


No, the majority of policies only cover treatment in the UK. If abroad, some insurers provide medical cover as part of travel insurance.