Over 50s Health Insurance
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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 quickly guarantee high-quality healthcare. 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 companies and policies is the only way to ensure you’ll get the cover you need for the best price.
What is Covered by Over 50s
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:
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 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:
** 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 insurance is 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 health and lifestyle. Get a quote for an initial cost estimation, 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, providers 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. Once you exit a group plan, you’ll usually pay over the odds for an individual 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 alternatives.
If you are over 50 and considering health insurance, seeking advice is imperative. For example, you may need help preparing for the long-term costs of medical cover, 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 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.