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We compare quotes from all the leading insurers

How does private health insurance work?

Private health insurance is similar to other types of insurance. You pay a monthly or yearly fee called a premium.

1.

Getting Referred

If you have a health issue, see your GP and let them know that you have private insurance. They may refer you to a specialist, and you might choose to go to private hospitals or specialists not offered by the NHS.

2.

Informing Your Insurer

Tell your insurer that you want to make a claim. They'll check if your policy covers the treatment you need. If it does, your claim will be approved.

3.

Cost Coverage

Your GP will book your appointment, and your insurer will cover the cost as long as your policy is active. Depending on your policy, you may be required to pay an excess.

Over-50s health insurance gives you quick access to private healthcare, helping you avoid unexpected medical bills. Skip NHS waiting lists and enjoy faster treatment by choosing private care. Compare insurers to find the best coverage at a price that suits your budget. Your health deserves strong protection, especially as new health challenges arise. Finding the right insurance may seem overwhelming, but you don’t have to do it alone. Get quick online quotes from major UK insurers to make the best choice for your health.


Why should I get family health insurance?

With prolonged waiting periods on the NHS, many choose private family health insurance to take control of their family's well-being.

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Shorter waiting times

You’ll get appointments much faster than on the NHS, ensuring you won’t have to wait long for treatment.

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Choice of hospitals

Select from a variety of private hospitals and choose the one where you feel most comfortable receiving care.

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Quick access to physiotherapy

Start physiotherapy treatments without long delays, helping you recover and stay active more quickly.

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Private rooms

Enjoy the privacy and comfort of a private room rather than staying in open wards, enhancing your overall hospital experience.

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Direct access to specialists

Get referrals directly from your GP to see specialists promptly, avoiding the long waiting lists often associated with public health services.

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Access to specialist treatments

Access advanced treatments that aren’t available on the NHS, providing you with a wider range of healthcare options tailored to your needs.

Considering these benefits, over 50s health insurance can offer you greater control, convenience, and comfort in managing your healthcare.

Can seniors over 50 get health insurance?

You can get private health insurance even if you’re over 50, alongside NHS care. Your access to NHS services stays the same after retirement as long as you’re a UK resident. Although premiums can be higher, there are ways to keep costs down. Speak with a health insurance consultant who can help you find the most affordable coverage that meets your needs. By exploring your options, you can secure the healthcare you need without overspending.

What do I need to get a health insurance quote?

Personal details

Personal details

Provide information about your smoking habits, medical history, and any ongoing health conditions. This helps us tailor the policy to your specific needs. If you’re thinking about including family members in your cover, let us know so we can find the best options for everyone.
Your policy preferences

Your policy preferences

Think about the type of cover you need. Are private hospitals, quicker GP access, or specialised treatments important to you? Decide on the level of protection you’re looking for, and we’ll help you find policies that meet your preferences and budget.
We will browse the market

We will browse the market

We’ll search through leading UK health insurance providers to find policies that suit your needs. You’ll receive a clear selection of affordable options, making it easy for you to choose the right cover with confidence.

How much does health insurance cost for a 50-year-old?

The cost of health insurance for a 50-year-old varies based on factors such as lifestyle and health. Smoking increases premiums due to the higher risk, while reducing alcohol consumption may save you money. The sample ranges below for basic, mid-range, and comprehensive plans offer an idea of the potential costs.

The following prices are based on a typical comprehensive policy in January 2024.

Basic Health Insurance
Inpatient Cover✅
Outpatient🔴
Price£40
Mid range
Inpatient Cover✅
Outpatient✅
Price£65
Comprehensive Cover
Inpatient Cover✅
OutpatientFull
Price£83

What does over 50s private medical insurance cover?

Customise your over 50s private medical insurance to suit your needs. Options to include or limit in your plan are:

  • Inpatient treatment
  • Outpatient cover
  • Cancer cover, including advanced cancer drugs
  • Therapies
  • Dental and optical
  • Mental health
  • Choice of hospitals
  • Private GP

Tailor your coverage to get a plan that meets your specific health requirements and preferences.

What should I look for in over 50s health insurance?

Private hospitals

Private hospitals

Choose health insurance for over 50s that provides access to private hospitals. These facilities offer more privacy, a calmer atmosphere, and convenience, making your healthcare experience more comfortable and less stressful.

Level of cover

Level of cover

Select a coverage level that suits your needs and budget. Compare what each plan includes and excludes. There are three categories of affordable health insurance for over 50s: Basic/Medium/Comprehensive

Types of underwriting

Types of underwriting

Understand the underwriting options available. You can choose between moratorium underwriting, which excludes pre-existing conditions for a set period, or full medical underwriting, which fully assesses your health history. These options help determine how your health profile will affect your coverage and premiums.

Additional options

Additional options

Look for extra features to enhance your health insurance cover, such as access to physiotherapy, mental health support, or alternative therapies. Some providers include these as standard, while others offer them at discounted rates, helping you get comprehensive care without overspending.

Cost

Cost

Balance the cost of premiums with the coverage you need. Remember, prices tend to increase with age as claims become more likely. Compare different plans to find one that offers good value for the benefits provided.

Deferred period

Deferred period

Be aware of any deferred periods, such as the first few months when you can’t make claims. This waiting time is common, so read the terms carefully to understand when your coverage will begin. Choosing the right health insurance for seniors over 50 and beyond can provide you with peace of mind, better access to care, and a more personalised healthcare experience.

Why is it important to get advice for over 50s health insurance?

If you're over 50 and exploring health insurance, consulting a health insurance expert is highly advisable. They help you prepare for long-term costs and guide you if your policy prices rise. Having someone review your health insurance annually ensures you're getting the best rate. We're here to provide essential advice, so reach out without hesitation. Planning for your health coverage is simpler with expert assistance tailored to your needs.