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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.


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.


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.


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.

As we get older, health considerations become increasingly important. Affordable health insurance for seniors over 60 caters to the specific needs of this age group. After 60-65, insurance companies can be more cautious, making policies more expensive due to the increased health risks. Quick access to diagnosis and treatment in the UK can significantly impact recovery, and there are specialised insurance options designed for individuals over 60.

Health insurance for seniors over the ages of 60 or 65 ensures coverage for private treatment in case of sudden illnesses, injuries, or acute medical conditions. These policies, also known as private medical insurance (PMI), offer faster treatment than the NHS for covered claims, excluding chronic conditions.

Considering your health in retirement is essential. Private health insurance can be a vital part of planning for a long and happy life post 60.

Is it worth getting health insurance at 60?

Thinking about health insurance at 60-65? It could be worth it. With more choices for tests, treatments, and services, you get access to options beyond the NHS. This ensures peace of mind, especially if your health declines, as private insurance guarantees immediate attention.

As the UK has an excellent NHS offering free treatment, private medical insurance isn't a must. Yet, if you can afford it, it provides reassurance. Quick attention, a broader range of treatments, shorter waiting times, and pleasant settings might make it worth the investment for many, giving added peace of mind in your golden years.

How to choose the best health insurance for over 60-65s

When picking health insurance for those over 60-65, keep it simple:

Cover Needed

Make sure the policy covers what you need for medical conditions and treatments.

Conditions to Cover

Think about your family history and the conditions you might face as you get older, such as heart issues or joint replacements.

Compare Policies

Look at the cost, but focus on finding the right cover. Compare policies for everything you require. Check for any excess fees for claims and pick the policy that gives you the necessary coverage at the best price.

How much is health insurance for a 60-year-old in the UK?

Thinking about health insurance at 60? Here's an idea of the costs:

Based on a typical comprehensive policy in January 2024.

Basic Health Insurance
Inpatient Cover
Mid range
Inpatient Cover
Comprehensive Cover
Inpatient Cover

How much cover will I get with medical insurance for over 60-65s?

Tailoring health insurance for those over 65 is easy. Personalise your plan with these coverage options:

  1. Inpatient Treatment: Customise coverage for hospital stays based on your needs.
  2. Outpatient Cover: Choose outpatient care options that suit your requirements.
  3. Cancer Cover: Select your coverage level, including advanced cancer drugs.
  4. Therapies: Select therapies to include in your plan.
  5. Dental and Optical: Personalise coverage for dental and optical care.
  6. Mental Health: Include mental health care in your customised plan.
  7. Choice of Hospitals: Decide on the hospitals you prefer for treatment.

What should I look for in over 60s health insurance?

When getting health insurance for over 60s, compare quotes wisely. Consider these key factors:

Private hospitals

Choose where to get treated. Choose a senior health insurance policy that lets you use private hospitals near your home or loved ones.

Level of cover

Tailor your coverage. Select from three budget-friendly categories to fit your financial plan.

Types of underwriting

Understand underwriting. Exclusions may apply for current or past health issues. Specify if we should evaluate your medical history with moratorium or full medical underwriting.

Additional options

When you're getting health insurance over 60, think about more than just the basics. Consider these extras:

Outpatient coverage

Look for plans with specific cost limits. Check if your policy covers outpatient consultations, specialist fees, physiotherapy, and diagnostic procedures like blood tests and x-rays.

Cancer-related treatment

With age, the risk of cancer goes up. Make sure your coverage includes chemotherapy and radiotherapy for comprehensive cancer treatment.

Mental health coverage

Mental wellbeing is as vital as physical health. Seek coverage for psychiatry, supplementary health, and well-being treatments to boost your mental health benefits.

Discount schemes

Save on premiums without losing coverage with discount plans. Explore these schemes for health insurance savings and a range of benefits.

Health insurance for those over 60 provides more than just financial coverage. Here are additional perks to give you peace of mind:

Health insurance for those over 60-65 provides more than just financial coverage. Here are additional perks to give you peace of mind:

  1. Avoid NHS Waiting Lists: Skip long queues for tests and treatment with rapid access to doctors.
  2. Private Facility and Specialist of Choice: Choose a private facility and specialist at your convenience.
  3. Private Room with Amenities: Get treated in a private room with amenities like a TV and telephone.
  4. Flexible Family Visiting Hours: Enjoy unrestricted visiting hours for your family's convenience.
  5. Access to New Medications: Access the latest medications not available on the NHS.

These benefits ensure quicker care, personal choice, comfort, and family support, enhancing your overall well-being.