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We compare quotes from all the leading insurers

How private health insurance works

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.

Moneyrepublic offers straightforward health insurance for those aged 70 and over. Our plans provide easy access to private healthcare, covering both outpatient and inpatient treatments. As a UK resident in your golden years, you can choose a policy tailored to your needs, including options for managing pre-existing conditions. Enjoy swift access to private GPs and exclusive facilities. Moneyrepublic combines affordable premiums with personalised health plans, helping you enjoy a worry-free retirement.

Can over 70s get health insurance?

Absolutely! Senior citizens over 70 can now enjoy enhanced health insurance plans from Moneyrepublic. Recognising the unique needs of this demographic, insurers are rolling out tailored policies. While private health insurance for over 70s operates similarly to policies for younger age groups, it may have fewer options. Trust Moneyrepublic to provide accessible and reliable health coverage for seniors, ensuring peace of mind.

Benefits of health insurance for over 70s in the UK

Private health insurance may offer personalised and comprehensive coverage beyond what public health services provide. Here are some key advantages:

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Shorter waiting times

You’ll find appointments faster than on the NHS, which means less time waiting for tests, diagnosis, or treatment.

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Choice of hospitals

Choose from a wide range of private hospitals, allowing you to receive treatment in a location that suits you best.

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Physiotherapy

Get quicker access to physiotherapy sessions, which can be vital for maintaining mobility, managing pain, or recovering from surgeries and injuries.

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Private rooms

Enjoy the comfort and privacy of a private room during your hospital stay. Private rooms provide a quieter, more restful environment, with added amenities like en-suite bathrooms, reducing stress and promoting a smoother recovery.

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Specialist referrals

Access specialist consultations directly through GP referrals, ensuring you get the expert care you need sooner.

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Specialist treatments

Unlock access to advanced treatments not available on the NHS, giving you more options to manage your health effectively.

Is it worth getting health insurance at 70?

Absolutely, getting private health insurance at 70 with Moneyrepublic is a smart choice. While it’s not mandatory, having insurance opens up a world of options beyond what the NHS provides. You gain access to a wider range of tests, treatments, and services, often with the freedom to choose your own surgeons and specialists. Secure your health and peace of mind with Moneyrepublic, ensuring quick access to personalised care and a broad range of medical resources tailored to your needs.

What do I need to get health insurance as a senior over 70?

Personal details

Personal details

Let us know about your habits, your medical history, and any ongoing health issues. This information helps tailor your policy to your specific needs. If you want to include family members, we can find the best options for everyone.
Your policy preferences

Your policy preferences

Think about the kind of cover you want. Do you need access to private hospitals, quick GP appointments, or specialist treatments? Decide how much protection feels right for you, and we’ll help match you with the best options.
We will browse the market

We will browse the market

We’ll handle the search, looking at top UK health insurance providers to find policies that fit your needs and budget. You’ll receive clear, straightforward choices so you can pick the best cover at the most affordable price.

How much cover will I get with medical insurance for over 70s?

Certainly! With Moneyrepublic's medical insurance for over 70, you have the power to tailor your coverage to suit your needs. Customise your plan to fully or partially cover essential expenses such as:

  • Inpatient treatment
  • Outpatient treatment
  • Cancer care, including advanced drugs
  • Therapies
  • Dental and optical care
  • Mental Health support
  • Choice of hospitals

You can adjust each aspect, covering them in full or applying limits based on your unique requirements. Your health coverage can be fully personalised to your preferences.

How much is health insurance for a 70-year-old in the UK?

The cost of health insurance for a 70-year-old in the UK varies based on factors like medical history, lifestyle, genetics, age, and location. At Moneyrepublic, we provide estimated costs for basic, mid-range, and comprehensive plans, ensuring transparency and personalised options tailored to individual needs.

Based on a typical comprehensive policy in January 2024.

Basic Health Insurance
Inpatient Cover✅
Outpatient🔴
Price£85
Mid range
Inpatient Cover✅
Outpatient✅
Price£135
Comprehensive Cover
Inpatient Cover✅
OutpatientFull
Price£193

How to choose the best health insurance for over 70s

Consider your medical needs, family history, and budget. Moneyrepublic offers tailored coverage, ensuring comprehensive care at the right price.

Policy Coverage

Check if it aligns with your medical needs; choose comprehensive coverage for full peace of mind with Moneyrepublic.

Your Health Conditions

Consider family health history and select coverage that addresses potential conditions. Moneyrepublic provides options that cater to various health concerns.

Cost Analysis

While cost matters, prioritise getting the right coverage. Compare policies, including potential excess fees, and choose a plan that offers optimal value.

What should I look for in affordable health insurance for over 70s?

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

Private hospitals

Private hospitals

Having access to private hospitals near your home makes a big difference. Look for a policy that lets you choose from a network of nearby hospitals, so you can get care where it’s most convenient for you. Don’t compromise on location—select a plan that ensures easy access.

Level of cover

Level of cover

Make sure you understand what your policy covers. Check if it includes inpatient costs, diagnostic tests, and any costs before and after hospital stays. You want to find a policy that gives you the right level of cover at a price you can manage, helping you stay prepared for unexpected health needs.

Types of underwriting

Types of underwriting

It’s crucial that your policy covers the health conditions you’re most concerned about. Review what’s included, especially for any existing health issues, to make sure the cover matches your needs and gives you confidence in your healthcare.

Additional options

Additional options

Look for extra features that can enhance your insurance. Check how long you might have to wait before any pre-existing conditions are covered, and consider co-payment options that help keep costs down. Choose a plan with low co-pays to make healthcare more affordable and easier to use.

Cost

Cost

Find a balance between what you can afford and the cover you need. Remember, costs tend to go up with age because you’re more likely to make claims, so look for a policy that offers good value without breaking the bank.

Deferred period

Deferred period

Be aware of any waiting periods when you first take out a policy, such as the first few months when claims may not be allowed. Understanding these terms will help you avoid surprises and ensure you’re covered when you need it.

FAQ

What is the maximum age limit for health insurance?

The age limit depends on the insurer and policy type. Some may have restrictions, but many offer coverage up to 80 or even beyond. Moneyrepublic provides clear information on age limits when you request a quote, ensuring you know exactly what to expect.

Will senior health insurance cover my existing conditions?

Some policies include pre-existing conditions, while others don’t. Check how cover for existing health issues works before making your choice, ensuring the policy meets your specific health needs.

Can we get a joint health insurance policy as seniors?

Yes, joint health insurance is available if both of you meet the policy’s upper age limit. It can be a cost-effective option, so compare joint and single policies to find the best fit for your needs.

Which hospitals or doctors can seniors use?

Insurers typically provide a list of hospitals and doctors when you need treatment. This gives you the flexibility to choose where you receive care, ensuring you access quality healthcare that suits your preferences and needs.