Yes, if you're over 70, you can still get health insurance. 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 can help you find the best policy. Use our broker to get quotes for over 70s health insurance.

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.