Compare Health Insurance for Over 70s
Our expert insurance brokers help you compare over 70s health insurance.
Get covered today.
How it works
Answer A Few Simple Questions
It takes less than a minute to put our team to work and start finding you the best health insurance quotes!
02
Quotes From Leading Insurers
We work with all the major insurers together with smaller, specialist insurers to help find you the most suitable policy at the best price.
Get Covered & Start Saving!
Get health insurance cover the same day with a 14 day cancellation guarantee.
Our partners
We compare quotes from all the leading insurers
Why Choose Healthplan to Help You Find The Right Insurance?
At Healthplan, we make it easy to find the right health insurance at the right price by comparing quotes from trusted providers. Whether you want fast access to specialists, quick diagnoses, or round-the-clock GP support, we’ll help you navigate your options and get the cover that works for you.
What makes us different?
• Experts you can trust – Our team has years of experience in health insurance and knows how to find cover that fits.
• Personalised for you – We take the time to understand your needs and recommend policies that suit your lifestyle and budget.
• No-fuss comparisons – Clear, simple quotes with no jargon and no pressure.
• Top-rated insurers – We only work with leading names like Bupa, AXA, Aviva, Vitality, and more.
Why Choose Healthplan to Help You Find The Right Insurance?
What Are the Benefits of Health Insurance for Over 70 Years Old in the UK?
Health insurance has plenty of benefits when you take it out but for most it may seem like a waste of money. As we get older concern around our health increases and we want treatment and care regularly. With private health insurance it allows you to continue to enjoy your life without the stress of needing to fit life around doctors’ appointments.
Below we highlight some of the benefits you’ll receive from taking out over 70s health insurance.
- Access to specialists & experts: You may have concerns around diagnosis’ or want to ensure you are speaking to the right professional. With health insurance you will be able to speak to the right specialist along with being able to get referrals for second opinions.
- Reduced waiting times: We understand your time is valuable so with private health insurance you can avoid long NHS waiting lists meaning you can be seen to sooner and rest easy knowing issues are progressing.
- Freedom to fit it around you: Everyone has lives and we understand that, that’s why private health insurance allows you to pick and choose when your appointments and treatment are along with where you have the treatment and even who performs it.
- Access to specialist medication & treatment: Some medication and treatment are not available with the NHS, but with private health insurance you will be able to receive the right medication or treatment you need to get you back on your feet.
- Privacy during your treatment: Health insurance will allow you to avoid cramped hospital wards, instead allowing you to be treated in private rooms, and even in some cases depending on the hospital, unrestricted visiting hours.
I had a wonderful and very informed experience while trying to seek help finding an health insurance for my 85 year old gran. My pre-req was extensive but the agent did a fantastic job in sifting through my unique asks and finding us the exact insurer that fitted them like a glove.
It might not be easy to get health insurance cover as an older person. When it comes to purchasing something as essential as health insurance for over 70 years old, finding multiple options may seem like wishful thinking.
However, this does not rule out the possibility of purchasing health insurance at this age, even at a fair cost. Before you begin searching for cover at 70, you should know what will be expected of you and how much you should anticipate spending.
Is it Worth Getting Health Insurance at 70?
You don’t have to have private health insurance at 70, but it would be a nice addition to your life. You’ll have more choices when it comes to tests or treatments or services such as surgeons and experts who only do private work. You’ll be able to access some great services that the NHS can’t provide.
How Much is Health Insurance for a 70 Year Old in the UK?
The cost of your health insurance will be influenced by your medical history, lifestyle, genetic predisposition, age, and even where you live. In addition, how much cover you need and the extensiveness of your term will influence your premium, you can reduce your premium however by increasing your excess but that is entirely up to you how much you are will to contribute to your treatment. To give a general idea, this is what over 70s insurance has to offer:
Basic Health Insurance
This includes inpatient cover for treatment that necessitates a night’s stay.
Basic plan |
|
|---|---|
| Inpatient Cover | Yes |
| Outpatient Cover | No |
| Outpatient Cover | £65 |
A Mid-Range Plan
This covers all inpatient and outpatient treatments up to £1100 in cost.
Mid-range plan |
|
|---|---|
| Inpatient Cover | Yes |
| Outpatient Cover | £1100 |
| Outpatient Cover | £110 |
Comprehensive Cover
This applies to both inpatient and outpatient care.
Comprehensive Cover |
|
|---|---|
| Inpatient Cover | Yes |
| Outpatient Cover | Full |
| Outpatient Cover | £140 |
What Should I Look for in Affordable Health Insurance for Seniors Over 70s?
Medical insurance cover protects your health by acting as a primary caregiver. Before reaching a decision, you should conduct extensive research. When it comes to purchasing health insurance for the elderly, over 70, the following recommendations should be considered.
Private Hospitals
It’s difficult to travel when you’re older. It’s much more difficult during a medical emergency. If you have a specific private hospital in mind, especially if it is one that is close to your home, it is beneficial to join an insurance company whose network allows you access to private hospitals. Therefore, in the case of a medical emergency, you may travel to your local hospital and receive the care you need there.
Level of Cover
In terms of health, old age necessitates additional prevention and protection. Some of the features to consider are whether the insurance pays for inpatient hospitalisation costs, as well as pre-and post-hospitalisation expenses. Diagnostic examinations, surgical instruments, operation theatre, ICU fees, and medical practitioner’s charges should be included in inpatient treatment costs. You should also consider the price.
Although cost isn’t as essential as having the appropriate cover, there may be numerous policies that meet your needs. Compare rates and excess charges you’d have to pay before you pick the right insurance at the best price. Over 70s health Insurance plans have three different cover levels to best suit your needs, these are basic plans, mid-range plans and comprehensive cover.
Types of Underwriting
Each insurance policy has a list of medical problems and treatments for which it will pay out. Make sure the one you’re considering provides the cover you require. Consider which diseases, such as heart disease or joint replacements that you’d like to be covered for as you become older.
If you are considering getting private health insurance and you’re over 70 years old, Healthplan is on hand to compare quotes from our partnered providers to ensure you get the right cover and the right deal for you. Contact us today by either getting a quote online or talking to our experts via the phone.
FAQs
Is Health Insurance Still Available If I’m Over 70
Yes, many insurers offer health insurance specifically for people aged 70 and over. These policies are designed to address the unique health needs that often arise later in life, such as more frequent hospital visits or chronic condition management.
Will My Age Affect The Cost Of My Health Insurance?
Generally, premiums tend to increase with age due to higher health risks. However, some providers offer competitively priced plans for over 70s, especially if you choose a higher excess or opt for a level of cover that suits your current health needs.
Are Pre-Existing Conditions Covered In Over 70s Health Insurance?
Many policies will provide cover for pre-existing conditions, often after a waiting period. It’s important to read the terms carefully, as some conditions may be excluded or come with specific limitations.
What Health Services Are Commonly Included In Over 70s Plans?
Typical cover includes hospital care, surgery, diagnostics, and specialist consultations. Some plans also offer extras like physiotherapy, prescription support, and chronic disease management tailored to senior health concerns. Full list of what is included in over 70s cover is below:
- Inpatient treatment
- Outpatient cover
- Cancer cover including advanced cancer drugs
- Therapies
- Dental and optical
- Mental Health
- Choice of hospitals
- Private GP
Can I Change Or Upgrade My Policy After I Turn 70?
Yes, you can usually change or upgrade your policy at any time. However, be aware that changes may affect your premiums or waiting periods, so it’s wise to compare options or speak with a health insurance adviser before making adjustments.