Compare Health Insurance for Over 50s
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What Are the Benefits of Over 50s Health Insurance?
Healthplan compares quotes from trusted providers to ensure you get the right cover you need at an affordable price. Whether you’re after speedy diagnosis, specialist treatments, or peace of mind with 24/7 GP access, we’ll guide you through your options and make sure you’re getting great value.
Here’s what sets us apart:
- Industry experts – our team has years of experience within the health insurance industry and is fully equipped to get you the right cover
- Tailored to you – We ask the right questions to recommend policies that suit your needs
and budget. - Easy quotes – No jargon, no pressure – just clear comparisons.
- Trusted providers – We only work with leading insurers, including Vitality, AXA, Bupa,
Aviva and more.
Start comparing today to find the right over 50s health insurance provider for you.
Adam Sherring of Healthplan has made arranging our private health care easy and stress free for over the last 20 years in an efficient and friendly manner.
We feel confident he negotiates the best possible price to cover our changing needs and increasing ages.
Thank you Adam for looking after us!
What Are the Benefits of Over 50s Health Insurance?
Your health is something you need to consider throughout all stages of your life but it can be a growing concern the older you get. When you’re considering retirement and wanting to enjoy your life you don’t want to be worried about waiting around for appointments or having to worry about needing treatment, which is why health insurance is becoming increasingly important.
If you are wondering “oh but I might be too old to benefit from it” that is where you are wrong, over 50 health insurance is available and provides plenty of benefits to ensure you get the help you need to enjoy your life and keep enjoying the things you love without fear, worry or stress.
You might be wondering, “what do I actually benefit from if I get health insurance?” and to that we say, keeping reading, because this next section covers all the major benefits you can receive if you take out over 50s health insurance.
Reduced Waiting Times
Let’s face it everyone hates waiting, but it’s what we do. However, when it’s your health this can be more of a concern, so if you don’t want to wait getting over 50s health insurance will benefit you.
You will discover soon enough that personal health insurance cover allows you to obtain a diagnosis sooner than the NHS’s 18-week commitment. You’ll likely get treatment and appointments faster than if you went to the NHS. If you want to get ahead of the NHS waiting list, private health insurance can help you get seen sooner, which is especially useful for surgical procedures.
The Surgeon or Hospital of Your Choice
You can pick where you are treated and if surgery is needed who is operating on you.
Think of it like being offered a selection of restaurants, you don’t want the first one you see, instead you want to make sure you go to the right one. The same can be said with someone operating or diagnosing you, you want to get treated quickly and by the best option possible and health insurance allows you to do this.
Privacy
You will have easy access to any requests you may have for the doctor, or any references given to you to go to a private expert or specialist for a second opinion or specialised therapy.
Specialist Treatment
If there is any specific treatment you need, such as physiotherapy, there is a higher chance for you to obtain the necessary sessions with no waiting time. Furthermore, some treatments, such as specialised surgery for sports-related injuries, are not covered by the NHS.
You can always check with your health insurance provider to see if the therapy you require is covered. Another advantage is that treatments and anything pharmaceutical-related that is not available on the NHS may be provided by Over 50s Health Insurance.
Insurance for the Whole Family
Family health insurance, which gives you the assurance that you and your loved ones will be diagnosed and treated appropriately without the long wait times NHS treatments usually have. Skipping the NHS waiting lists to see a specialist and obtain private therapy to help you get back on your feet. Learn more about family health insurance and compare UK providers with Healthplan.
Finding the level of cover that is best suited to what you want to accomplish should be the goal of health insurance for people over 50. Here are a few things to factor in regarding your health insurance for over 50s, whether you’re switching from family cover to a higher level of cover or changing insurers.
Private Hospitals
Private health insurance might provide you with more privacy and home comforts while in a calmer and quieter atmosphere. Furthermore, it may be more accessible from your current location compared to travelling to a government hospital, along with allowing your family more opportunities to come see you, as it’s closer and could have no restrictions on visiting hours.
Level of Cover
Cover should be chosen according to your requirements. Compare what each type of health insurance covers and, more crucially, what it does not cover when browsing for health insurance. We provide affordable health insurance for over 50, with three categories for you to choose from, a basic plan, a mid-range plan and comprehensive cover, which we will cover later in the article.
Types of Underwriting
Health insurance providers should manage your claims quickly, share policy information, and put you in touch with a health insurance expert. On top of that, your insurer should provide extra cover to give you the chance to keep your mind and body in good shape.
To ensure you get this, we provide the opportunity to appoint either moratorium underwriting, which is where pre-existing conditions are excluded from cover initially but if no symptoms have shown or no treatment has been needed within a set timeframe (usually around 2 years after the cover has been taken out) can be added to the cover. While full medical underwriting is where a health insurance provider assesses your medical history and current health to determine the terms of your policy.
Additional options
Optional extras that can be added to your private health insurance cover may be available depending on the provider you pick. Some of these items may come as standard, while others may be completely omitted. There may be others that offer discounted prices so you can benefit from the service while at the same time not burning too much of a hole in your pocket. In most cases, you’ll have the option to include:
- Dental care
- Eyecare
- Physiotherapy
- Homoeopathy
- Support for mental health
How Much Does Health Insurance Cost for a 50-Year-Old?
Health insurance is not the same for everyone. Your premium will be determined by a variety of criteria. For example, an individual’s lifestyle can affect what is offered. If you smoke, your premium will go up since you’re considered a higher risk. On the other hand, reducing your alcohol consumption may help you save money.
In theory, though, if you are healthy, these will be the price ranges you should be looking at.
A Basic Health Insurance Plan
This covers in-patient treatment that calls for you to stay overnight.
Basic plan |
|
|---|---|
| Inpatient Cover | Yes |
| Outpatient Cover | No |
| Outpatient Cover | £45 |
A Mid-Range Plan
This covers all in-patient and outpatient treatments cost go up to £1000.
Mid-range plan |
|
|---|---|
| Inpatient Cover | Yes |
| Outpatient Cover | £1000 |
| Outpatient Cover | £70 |
Comprehensive Cover
This covers all in-patient and outpatient treatments.
Comprehensive Cover |
|
|---|---|
| Inpatient Cover | Yes |
| Outpatient Cover | Full |
| Outpatient Cover | £92 |
FAQs
What Is Over 50s Health Insurance And How Does It Differ From Standard Health Cover?
Over 50s health insurance is specifically designed to meet the needs of individuals aged 50 and over. It often includes benefits tailored for age-related health concerns, such as cover for chronic conditions, joint replacements, and screenings for common age-related illnesses.
Do I Need A Medical Exam To Qualify For Over 50s Health Insurance?
In most cases, a full medical exam is not required to take out over 50s health insurance. However, insurers may ask some basic health and lifestyle questions to tailor your policy or determine premiums.
Can I Still Get Cover If I Have A Pre-Existing Condition?
Yes, many policies will offer cover even if you have a pre-existing condition. Some insurers may impose a waiting period or exclude certain conditions from cover initially, so it’s important to review the policy details carefully.
What Types Of Treatments And Services Are Typically Covered?
Most over 50s health insurance policies cover a range of services, including hospital stays, specialist consultations, diagnostic tests, outpatient care, and in some cases, alternative therapies. Some may also offer extras like dental, optical, and hearing cover. Full list of what is covered is below:
- Inpatient treatment
- Outpatient cover
- Cancer cover including advanced cancer drugs
- Therapies
- Dental and optical
- Mental Health
- Choice of hospitals
- Private GP
These are not all covered by every insurance provider, so it is best to ensure you are getting the cover that is right for you. Consider what you want your insurance to cover and pick the plan that best suits your needs.
How Can I Keep Premiums Affordable As I Get Older?
To keep premiums manageable, consider a policy with excess options or tiered levels of cover. Regularly reviewing your policy and comparing providers can also help you find the best value for your changing health needs.
Can Retirees Over 50 Get Health Insurance?
Yes retirees can get over 50’s health insurance, when you retire, your access to utilise the NHS healthcare service remains unchanged so long as you are still a UK resident. While it’s true that policies aren’t cheap, there are a few things you can do to make yours more reasonable.
We advocate contacting an expert health insurance consultant who has in-depth information to assist in picking the most affordable retiree cover for people over 50.