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Health insurance
for over 60s

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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.

Health becomes more important as you age, and affordable health insurance is crucial for those over 60. After 60, insurance costs rise due to higher health risks, but specialised policies offer tailored support. Quick diagnosis and treatment through private insurance can significantly boost recovery.

Health insurance for seniors over the ages of 60 or 65 ensures access to private treatment for sudden illnesses, injuries, and acute conditions. Known as private medical insurance (PMI), these policies provide faster treatment than the NHS for covered conditions, although they exclude chronic illnesses.

Thinking about your health in retirement is essential. Private health insurance plays a key role in ensuring a happy, healthy life after 60.

What are the benefits of health insurance for those over 60-65 years old?

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

Skip NHS waiting lists

Get rapid access to tests and treatments, avoiding long queues.

Choose your specialist and facility

Select a private hospital and specialist that suits you.

Comfortable private rooms

Enjoy a private room with amenities like a TV, telephone, and more.

Flexible visiting hours

Welcome family visits at any time, making their support more accessible.

Access new medications

Benefit from the latest treatments not available on the NHS, keeping your options open.

Tailored health screenings

Access personalised health checks and screenings that cater to your specific needs, helping you stay proactive about your health.

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

Is it worth getting health insurance at 60?

Considering health insurance at 60-65? It offers valuable benefits. Private cover provides more choices for tests, treatments, and quicker access to services beyond the NHS, giving you peace of mind and immediate care if your health changes.

While the NHS offers excellent free treatment, private insurance adds reassurance. You gain faster attention, a wider range of treatment options, shorter waiting times, and comfortable environments. If you can afford it, this added security can make a big difference in your golden years.

What do I need to get a health insurance quote?

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

Personal details

Share your habits, medical history, and any ongoing health conditions. This helps us personalise your policy to suit your needs. If you’re considering including family members, let us know, and we’ll explore the best options to cover everyone.

Your policy preferences

Consider what kind of cover suits you best. Do you need access to private hospitals, quicker GP appointments, or specialised treatments? Decide on the level of protection you feel comfortable with, and we’ll guide you towards the policies that best fit your preferences.

We will browse the market

We’ll do the searching for you, comparing top UK health insurance providers to find policies that align with your needs and budget. You’ll receive a selection of clear and affordable options, helping you make an informed choice for your healthcare needs.

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	✅
Outpatient	🔴
Price	£59

Mid range
Inpatient Cover	✅
Outpatient	✅
Price	£89

Comprehensive Cover
Inpatient Cover	✅
Outpatient	Full
Price	£121

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:

Inpatient treatment: Customise coverage for hospital stays based on your needs.
Outpatient cover: Choose outpatient care options that suit your requirements.
Cancer cover: Select your coverage level, including advanced cancer drugs.
Therapies: Select therapies to include in your plan.
Dental and optical: Personalise coverage for dental and optical care.
Mental health: Include mental health care in your customised plan.
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

Select a policy that offers access to private hospitals near your home or loved ones, giving you control over where you receive care.

Level of cover

Tailor your policy to your needs. Choose from three budget-friendly cover levels that match your financial plan.

Types of underwriting

Decide how your medical history is assessed. Choose between moratorium underwriting, which excludes pre-existing conditions for a set period, or full medical underwriting for a more comprehensive review.

Exclusions

Review exclusions closely. Check if the policy limits or excludes outpatient treatments to ensure you get the coverage you need.

Cost

Weigh the cost against your budget. Premiums increase with age due to a higher likelihood of claims, so choose wisely.

Deferred period

Watch for deferred periods, such as an initial three-month window where claims aren’t allowed. Always read the terms to avoid surprises.

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.

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