As we get older, the risk of illness or injury increases, and with the current issues facing the NHS and record backlogs, private health insurance has never been more valuable.
Here's how over 50s health insurance will benefit you:
Once you choose a policy, you'll pay a monthly premium, and in the event you need medical treatment for a new acute condition, you can claim and go private for your treatment.
You can find out more about how health insurance claims work here.
Find the best insurer and policy, then start paying a monthly premium.
If you become unwell with an eligible condition, you can go private for treatment.
Once your claim is authorised, your specialist and hospital will invoice your insurer.
What’s specifically excluded will vary between providers and policies, but generally speaking, you can expect the following not to be covered:
This isn't an exhaustive list; please refer to your health insurance policy documentation for more details.
Request a comparison quote and get pricing from all of these leading providers and more.
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Answer a few simple questions and one of our highly-rated brokers will make a start finding the best health insurance coverage for you.
Our partners work with the whole market, so they'll give you a comprehensive comparison and identify the most suitable policy for you.
Get private medical insurance cover on the same day and avoid NHS waiting lists.
When you speak with a broker and compare health insurance policies and providers, you’ll undoubtedly have a reasonable amount of information to digest. Amongst that, we recommend that the following are high on your list of priorities:
Currently the best private health insurance providers for the over 50s in the UK are (in alphabetical order):
You can read our guide to the best health insurance for over 50s here.
This is a difficult question to answer as it will depend on where you live and the policy options you choose. However, by opting for a guided consultant list, limiting your out-patient cover and including an excess of resonable size, you should be able to get a relatively inexpensive health insurance policy.
Perhaps the biggest change is Saga changing their underwriter from Axa PPP Healthcare to Bupa Insurance limited, which has seen Saga gain access to additional policy benefits such as Bupa's direct access service. We're not sure at this stage whether Saga's pricing is as good as Bupa's however.
