Health Insurance for Over 50s

Growing older is a natural part of life, and as we age, we’re more likely to experience health issues. If you’re over 50, private medical insurance is the best way to guarantee high-quality health care services. This allows you to choose where you’re diagnosed and treated, grants you access to a private room, and means you can receive drugs that aren’t available on the NHS.

Over 50s health insurance lets you avoid potentially lengthy NHS wait times while still giving you the option to use its services if you desire. Whether you’re considering private medical care for the first time or looking to switch to a new provider, comparing health insurance issuers and policies is the only way to ensure you’ll get the health coverage you need for the best price.

What is the best health insurance for over 50s?

Comprehensive health insurance is highly beneficial as you get older, when any medical issues could become more serious without prompt care. However, the best health plan policy depends on the cover you’re looking for and what you can afford.

We compare over 50s health plans from all UK insurance companies so you can see every option available. By giving you free expert advice along the way, you’ll have all the data you need to make an informed decision that best serves your requirements.

What is covered by over 50s health insurance?

An over 50s health insurance gets you effective treatment for acute conditions. These are short-term, curable ailments such as strokes, heart attacks. and broken bones. You can decide what you want to be covered for, but these are the most common options:

Benefits of using Healthcare Clarity

We are the only broker to offer a free claims support service

On average we save our clients 32%* when switching health insurers

We compare the top health insurers, including AXA Health, Bupa and Vitality

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Over 50s health insurance FAQ's

While many people believe health insurance options are expensive for the over 50s, this isn’t always the case. Over 50s health insurance is priced according to factors like your age, the cover you want, and your general lifestyle, health & wellness. Get a quote for initial cost estimation, and then we can work with you to find a policy within your price range.

It’s generally inadvisable to take medical insurance out after a condition arises because it’s unlikely you’ll be covered if you’ve already received advice or treatment for it. However, health insurance issuers commonly agree to cover pre-existing conditions after two years if you’ve received no medical advice or treatment and have had a policy in place during this time. Read more about covering pre-existing conditions.

If you are leaving a policy due to retirement, you should shop around when considering new cover or health plan premiums. Once you exit a group plan or employer-sponsored health insurance, you’ll usually pay over the odds for a personal health insurance coverage or policy with the same provider. This is because they can find it harder to quantify the risk and will, therefore, increase the premium to cover the chances of them paying out. Getting a quote from us is the best way to find more affordable health coverage.

If you are over 50 and considering individual health insurance coverage, seeking advice from a health insurance expert is imperative.

For example, you may need help preparing for the long-term cost of health coverage, as well as guidance in the event that the price of your policy eventually increases. It’s also important to have someone help you review existing health insurance products or plans annually, just in case you can get a better rate. We’re here to provide all the critical advice you need, so don’t hesitate to get in touch.

Apart from the type of coverage, the best private health insurance provider should have a non-hassle and smooth claims process. Meaning it shouldn’t involve several complicated steps that will consume most of your time. Easy access to health insurance specialists and customer support and the availability of multiple lines of communication are also two of the most critical factors to consider.

Other types of health insurance

Whether you want to protect your family, your business or yourself, we can find the policy for you. Choose from any of the private health insurance options below:


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