Over 50s Health Insurance

We compare over 50s medical insurance from the top providers to secure you the best possible cover.
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What Is Over 50s Health Insurance?

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 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:

Additional Health Insurance Policy Coverage for Those Over 50

Finding a private health insurance company that includes one or more of these as either part of the core cover or an add-on will significantly benefit you:

  • Online Consultations

Telehealth services availability and usage through private health insurance coverage in response to the pandemic positively impact healthcare provisions worldwide. Travelling to and from a health clinic can be stressful and exhausting to someone who’s over 50.

Talking to a health provider for minor ailments and getting referrals for a specialist, diagnostic tests, or treatments and prescriptions online will be very beneficial. Some insurers have their own telehealth apps to make telehealth easier and quicker.

  • Mental Health Cover

As one gets older, they usually experience more mental and behavioural health challenges, especially if they live alone. Thus, talking therapy sessions with a private mental and behavioural health professional is essential. Some private health insurers already include this in their inpatient and outpatient cover, but with limited sessions per year. Still, it will save you a lot in terms of cost.

  • Therapy Cover

Ageing adult populations will experience brittle and aching bones, more joint and muscle pains, and other conditions that require chiropractor, osteopath, or homoeopath therapies and other similar forms of therapy. For better overall health & wellness, consider an insurance company that offers this add-on cover. Remember, though, that this coverage usually comes with a limit, such as the number of sessions and total cost.

We understand that you may not know what cover you need yet, especially if this is your first time taking out over 50s health insurance. To find out what is most suitable for you, get in touch for professional advice from our qualified experts.

 

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.

Why Switch Your
Private Health Insurance Provider?

Even if you already have private health insurance, there are many reasons why you should consider changing your provider:

By switching provider, you can:

* Findings are based on 49 clients, over the last 3 months who already had a live policy in place.
** a £50 voucher for M&S or John Lewis will be sent to you after switching to a policy we recommend once you paid your second monthly premium to your insurer.

Private 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 here.

 

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.

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