Over 50s health insurance

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Private hospital treatment for new medical conditions.

What is over 50s health insurance?

Health insurance for over 50s covers the cost of medical treatment in private hospitals and clinics around the UK. Generally, it will pay for the treatment of acute medical conditions that develop after you take out a policy. While there isn't a specific private health insurance product for the over 50s, you can adapt a plan around your particular requirements by speaking with a broker.

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Get the treatment you need sooner.

What are the benefits of private health insurance for the over 50s?

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:

  • Avoid NHS waiting lists
  • Access private hospital treatment
  • Choose where and when you’re treated
  • Peace of mind should you become unwell
  • A private room in hospital
  • Virtual GP services
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How does over 50s health insurance work?

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.

1

Compare & Choose a Provider

Find the best insurer and policy, then start paying a monthly premium.

2

Access Private Healthcare

If you become unwell with an eligible condition, you can go private for treatment.

3

Your Insurer Does The Rest

Once your claim is authorised, your specialist and hospital will invoice your insurer.

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What does over 50s health insurance cover?

Private health insurance for the over the 50s usually covers the cost of treating new, acute medical conditions, which develop after you take out a policy, and broadly speaking, insurers will have a "core" product, then a list of supplementary options you can enhance your policy with.

Core cover*

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    In-patient and day-patient treatment – when you're admitted to hospital for a day or overnight.
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    Cancer treatment – most insurers offer extensive cancer care once you are diagnosed with cancer.
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    Private room in hospital – enjoy some privacy while you're in hospital and a more relaxed environment.
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    NHS Cash Benefit – get a cash benefit when you stay overnight in an NHS hospital.
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    Virtual GP service – 24/7 access to a private GP, on the phone or via video call.
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    Out-patient surgery - cover for minor surgery where you’re not admitted to hospital.

Optional Add-ons

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    Out-patient diagnosis – for out-patient consultations, tests and diagnostic tests.
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    Diagnostic scans – X-rays, MRIs, CTs and other pre-diagnosis tests.
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    Mental health cover – psychiatry and psychology services.
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    Routine dental and optical cover – cash benefit designed to help towards the cost of regular
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    Alternative therapies –  acupuncture, osteopathy, chiropractors, homoeopaths or podiatrists.
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    Travel cover – cover when you're overseas..
Please note: precise cover levels will vary between health insurance providers and policies. Comprehensive health insurance often includes an element of out-patient cover.

What does private medical insurance exclude?

What’s specifically excluded will vary between providers and policies, but generally speaking, you can expect the following not to be covered:

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    Pre-existing conditions - medical conditions you’ve suffered from or sought treatment for in the past five years.
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    Chronic medical conditions - conditions like asthma, diabetes and dementia are excluded.
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    Cosmetic surgery - although some insurers will pay for restorative, cosmetic surgery after a major operation.
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    NHS Cash Benefit – get a cash benefit when you stay overnight in an NHS hospital.
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    A&E treatment - you’ll still need the NHS for accidents and emergency treatment.
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    Learning difficulties - ADHD, autism and other learning difficulties are excluded.

This isn't an exhaustive list; please refer to your health insurance policy documentation for more details.

What people are saying about us

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Keith Woodward
February 5, 2024
Gareth was very professional and explained it all very clearly.Would highly recommend…
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Jo Harper
January 19, 2024
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C S
January 16, 2024
Gareth, very friendly and professional. Recommended a suitable option to my current renewal policy. Highly recommend at least picking up the phone for a chat with him
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ruth starling
January 9, 2024
Gareth Tunstill was a joy to work with. Super quick to respond, very knowledgeable, happy to provide alternatives for our health insurance and able to give clear and sensible recommendations.
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Agne Luk'te
November 29, 2023
Fantastic experience in choosing the right insurance for our family. Gareth was very helpful in explaining the ever confusing details about different providers and different cover options.
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Glyn Lock
November 9, 2023
Gareth is a professional, friendly and independent advisor who helped me with changing my health care provider. He looked at my current plan and then gave me several alternatives with explanations of the pros and cons of all. I was extremely happy with my decision based on his advice. Gareth has saved me a considerable amount of money for a better product, I would highly recommend him.
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Sam H
November 9, 2023
Having received various quotes for private health insurance and not being sure of what I needed it wanted really, I found Gareth from My Tribe insurance the most helpful and friendly. I feel without a doubt that he has guided me to what's best for me not just what's financial beneficial to him. I highly recommend him and the company to anyone who's unsure!!!
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Wend
November 8, 2023
Spoke to Gareth to obtain a quote after a poor experience with my existing Healthcare Insurance provider. Gareth immediately understood what I was looking for and was able to recommend a policy which not only meets my needs but is also more cost effective than my existing policy. The whole process of switching was made easy by Gareth's obvious knowledge of the industry. Excellent service thank you!!
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Dudley Delannoy
October 30, 2023
Thorough and unbiased
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James Steele
October 27, 2023
Gareth provided excellent,prompt, well informed and balanced advice and rapid implementation.
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Peter Redgrave
October 23, 2023
Gareth Tunstill provided clear, relevant and helpful information. After having outlined advantages and disadvantage of various health-insurance options it was easy to make a choice. It was also a very personable exchange leaving me grateful for his help and guidance.
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Trent Hallas
October 13, 2023
Gareth was very good in finding the right health insurance for me would definitely recommend his services thanks again Gareth
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Chris Taylor
October 12, 2023
Gareth was wonderful. Trusted, professional, and really informative. So happy to get an honest quote that is not pushed onto you.
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Kathy Bardwell
September 21, 2023
Received good advice and found a healthcare package that was good for me.
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Helen Brightman
September 18, 2023
Very knowledgeable and helpful. Gave us plenty of time to make our decision without being pushy. Can certainly recommend.
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Joanna Small
September 11, 2023
Gareth dealt with my enquiry promptly in a very helpful and friendly manner; I would confidently recommend myTribe to anyone looking into private healthcare.
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Louis Kirk
September 4, 2023
Gareth was very knowledgeable and helpful in advising me which private medical insurance would be best suited to my personal needs. I would highly recommend contacting him for anyone seeking advice on private medical cover, rather than simply just picking an insurer unadvised.
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Giovanni Morisco
September 1, 2023
Gareth Tunstill, the Health insurance adviser who help me to choose the right policy, was very knowledgeable and talked me through all the different options. He clarified some terminologies and what they meant and in a friendly and approachable manner guided me to the best choice for what I needed. Thank you
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Gracie
August 24, 2023
Gareth was very patient and professional in explaining information. I am new to the system of healthcare in the UK and I am thankful that he was able to answer all my questions.
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Cyndi
August 17, 2023
Gareth was super efficient, informative, very responsive and had my healthcare policy turned around in no time. Highly recommended.
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michael Calvert-Smith
August 8, 2023
very efficient and friendly. No pressure just relevant information and documentation. Would highly recommend.
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Jim Royal
August 8, 2023
Gareth was very helpful, honest and knowledgeable. Although he couldn't get me what I wanted he advised the route I could take to achieve my aim. A rate commodity in today's markets! Thankyou.
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Muriel Tate
July 17, 2023
Very efficient, clear and concise advice.Fully explained, very happy with the prompt service I received.Thankyou Garath.
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Jonathan Allis
July 12, 2023
Excellent, informed service from Gareth!
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Julie Roling
July 12, 2023
Gareth was a great help with helping me decide on the best medical insurance for my needs. He helped me with questions regarding cover and documents needed. Gareth has been very thorough and patient with all his explanations and was never pushy. He made me feel reassured with my decision.
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Paul Buckley
July 11, 2023
Gareth was phenomenal throughout our conversations regarding private medical insurance. I asked many questions by email & phone over the course of a week. Gareth always replied swiftly, he explains with clarity every query, he’s totally transparent & fully educated on every question I asked. I highly recommend him for anyone seeking private medical cover.
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neil o'sullivan
July 10, 2023
Gareth provided good practical advice in recommending to stay with our current PMI provider. He really knows this market.
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Steve Douey
July 4, 2023
Excellent advice and answered any queries I had
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Julia Fancourt
July 4, 2023
Really impressed with the service that Gareth provided. No sales pitch just offered the best product for our requirements. Highly recommend him for your health insurance needs!
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Caroline Goodge
June 14, 2023
Excellent service with helping us find appropriate private healthcare. Gareth clearly explained all the options available and did not pressurise us to make any commitments. Telephoned us when arranged and forwarded necessary information quickly. Any queries were again, clearly explained. Highly recommend the services of Gareth this company.
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Alan Ware
June 12, 2023
A great customer experience throughout the selection process. From initial contact with Chris@myTribeinsurance we felt a genuine desire to find the right HealthCare product that suited our needs.
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Julie Aslett
May 26, 2023
Excellent service, straightforward & knowledgeable information from Gareth regarding health insurance. Thank you
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Valerie Stanley
May 17, 2023
I've been living overseas for many years and now looking to return to the UK. I have huge reservations about the level of service the NHS can provide at this time so was looking around for private health insurance. I found Globacare and also checked their reviews. I filled in the form and that same day, I got a response back from the company and was assigned to a broker. I spoke with him at length and shared my concerns. He was very helpful and before then end of the day, he had emailed me several quotes. Although I have yet to sign up with them, I feel greatly assured that I can now, with confidence, return home and not worry about healthcare. I look forward to working with them soon.
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Tamerlan Asadov
May 16, 2023
Very useful help, quick response and good advice given. Thank you!
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ASMR Rhys
May 15, 2023
Fantastic advice re private health insurance, given by Gareth. Gareth was friendly, professional and very knowledgeable. He advised me on the best plan for me, taking into account my personal circumstances and health and I was really happy with my decision.Gareth gave me an unbiased, independent recommendation (he is not affiliated to any company, nor does he receive commission from them). Because of his knowledge and informed advice, I would highly recommend him
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Noor Kadhim
May 11, 2023
Gareth was so knowledgeable and friendly and obtained the best product for me. Very happy and highly recommend .
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Hayley Sanders
May 10, 2023
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Dave Curtis
May 10, 2023
Following the advice offered by Gareth Tunstill from First Choice, we have switched our PHI, getting increased coverage for a cheaper premium. Very happy with the service and the outcome.
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Andrew Woods
May 10, 2023
I WAS DIRECTED BY CHRIS AT MYTRIBE TO GARETH AT FIRST CHOICE WHEN RECENTLY REVIEWING MY WIFE'S AND MY ANNUAL MEDICAL INSURANCE. GARETH WAS VERY KNOWLEDGABLE AND PATIENT IN EXPLAINING OUR VARIIOUS OPTIONS. WE HAD SEVERAL TELEPHONE CONVERSATIONS AND EMAIL EXCHANGES OVER A PERIOD OF A FEW DAYS BEFORE WE CAME TO A DECISION. VERY GOOD PROFESSIONL SERVICE FROM GARETH.
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Michael Cooke
May 10, 2023
Very pleased with Gareth's independent advice, he knew my requirements exactly and gave me confidence in dealing with him.
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Molly Johnson
March 27, 2023
Good comparison costs & timely replies
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Ray Doody
March 17, 2023
Got excellent and clear advice from Gareth on the pros and cons of various alternatives. It was relatively complex as moving from corporate coverage to personal coverage.
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Richard Boulter
December 6, 2022

I wanted to share my thanks for myTribe Insurance providing data and analysis on medical consultancy fees drawing from their research this year (2022). With the onus nowadays on medical patients themselves seeking consultants' advice, rather than relying only on busy GPs for example, having access to such market information is a "public good" of the first order - from that first step when a medical insurer more or less says: ok, You find a suitable consultant that we can afford......

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Mildred Thornton
October 28, 2022

I was recommended myTribe by a friend who had recently taken out health insurance and I hjave to report that my experience was excellent too. The advisor that helped me (Steve), was patient and very knowledgeable.

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Michael Carter
October 25, 2022
Fast and effcient. Felt they took the time to really understand my circumstances.
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Barbara Reyes
October 24, 2022
mytribe is an excellent place to get free information about different types of insurance. I've used the site for years and am always amazed at how they can explain complex topics in language that's easy to understand.
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Mary Walton
October 20, 2022
Called to speak to them about health insurance and got a first-class service. Now speaking to them about my life cover that hasn't been reviewed for years.
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Steve Root
October 14, 2022
Spoke to a nice chap. Solid advice and saved a packet. Recommend.
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Norma Dorsey
August 30, 2022

Just finished sorting out my life insurance with My Tribe. Very professional.

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Francisco Nguyen
June 27, 2022

Got good advice and was able to get a good deal on my Vitality health insurance too.

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Compare Over 50s Plans

How do I get an over 50s health insurance quote?

1

Tell us a bit about yourself and your requirements.

Answer a few simple questions and one of our highly-rated brokers will make a start finding the best health insurance coverage for you.

2

Receive a whole of market comparison quote.

Our partners work with the whole market, so they'll give you a comprehensive comparison and identify the most suitable policy for you.

3

Save money and get covered.

Get private medical insurance cover on the same day and avoid NHS waiting lists.

Compare the UK's leading over 50s health insurance providers

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What should I look for when comparing over 50s private health insurance?

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:

1. Customer service levels

In the past few years, millions of people have taken out health insurance for the first time, and with that, insurers have had a surge of new customers. While all do their best to cope with demand, some are fairing better than others. When you review the various providers of over 50s health insurance, we recommend you read their reviews on websites like Trustpilot to see their current performance.

2. Level of cover

All health insurance policies have different levels of cover, and spending time understanding what your chosen option does and doesn’t cover is very important. Some insurers will limit you, whereas others won’t. Some will offer things like travel cover and again, some may not.

3. Types of underwriting

The two types of health insurance underwriting used for personal policies are Moratorium and Full Medical Underwriting. Your broker can help you choose the best type for you and your circumstances.

4. Consultant and hospital choice

Would you like close to unrestricted access to all private hospitals and consultants in the UK, or are you happy to use a smaller pool to reduce your health insurance premiums? Again, speak with your health insurance broker about this, as you can save money by opting for a guided consultant list and a smaller pool of private hospitals.

Frequently asked questions

What is the best health insurance for the over 50s?

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Currently the best private health insurance providers for the over 50s in the UK are (in alphabetical order):

  • Axa Health
  • Bupa
  • Saga
  • The Exeter
  • WPA

You can read our guide to the best health insurance for over 50s here.

What's the cheapest health insurance for over 50s?

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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.

What changes have their recently been with over 50s health insurance?

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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.