Health Insurance For People Over 50, 60, 70, 80 Years Old

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In the UK, health insurance for people over 50, 60, 70, and 80 is often referred to as private medical insurance (PMI) or private health insurance. PMI can offer coverage for medical treatments, including:

  • Diagnostic tests
  • Consultations with specialists
  • Inpatient and outpatient procedures.

However, PMI does not usually cover pre-existing conditions, chronic illnesses, or long-term care.

PMI can be purchased by individuals or through employer-sponsored plans, and premiums vary depending on factors such as age, health status, and the level of coverage chosen. It can be a great way to boost the services provided by the NHS, which include free prescriptions and eye tests for the elderly. Fill in our form to get a fast, free quote.

Why Is Health Insurance Important for the Elderly?

Health insurance is important for people aged over 50 because they often have more complex medical needs than younger people. As we age, our risk for chronic conditions and illnesses increases, requiring more frequent doctor’s visits, medications, and medical procedures.

Having private health insurance gives elderly people peace of mind, knowing that they will  have access to the care they need to maintain their health and wellbeing without facing long waiting times and crowded wards.

How Much Does Private Health Insurance Cost for UK Residents Aged Over 50, 60, and 70 Years Old?

The average monthly cost of private health insurance can be seen in this table:

50 years£78.26*
60 years£112.90*
70 years£179.80*

However, this price varies depending on factors such as:

  • Age – with older people being charged more
  • Health condition – with more being charged for individuals with multiple preexisting health conditions
  • Level of coverage needed
  • Insurance provider

We compare quotes from different insurance providers to find a policy that suits your specific needs and budget.


What Is Private Health Insurance?

Private health insurance is a type of insurance policy that covers the cost of private medical treatment. This allows you to choose the hospital, consultant, and treatment you want. rather than relying solely on the NHS. Private health insurance can be used in conjunction with NHS healthcare.

Patients who opt for private health insurance may be motivated by factors such as short waiting lists, comfortable facilities, and the ability to chose their own consultants.

What Count as Pre-existing Conditions When Applying for Health Insurance?

A pre-existing condition refers to a health condition or illness that a person has before they enrol in a health insurance plan. It can include any medical condition that has been diagnosed, treated, or existed prior to the start of the insurance coverage. Examples of pre-existing conditions can include*:

  • Chronic illnesses such as diabetes, asthma, or heart disease
  • Organ transplants
  • Mental health conditions
  • Normal pregnancy and childbirth costs
  • Cosmetic surgery to improve your appearance
  • Injuries relating to dangerous sports

In some cases, pre-existing conditions may be excluded from coverage or may result in higher insurance premiums, but some insurance providers will still accept you.


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What Does Private Health Insurance Cover for Patients Aged Over 50, 60, 70 and 80 Years Old?

The level of coverage provided by private health insurance varies depending on the policy. It can cover:

  • Hospital treatment
  • Specialist consultations
  • Diagnostic tests
  • Treatments
  • Inpatient and outpatient care
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Can I Get Private Health Insurance With Pre-existing Conditions?

It could be possible to get private health insurance with pre-existing conditions, but the coverage may be limited or exclude treatment related to the pre-existing condition. It is always worth checking.

Can I Choose Which Hospital to Be Treated in With Private Health Insurance?

Yes, one of the benefits of private health insurance is that you can choose the hospital, consultant, and treatment you want, subject to the terms of your policy.

What Types Of Health Insurance Exist For People Aged 50, 60, 70, or 80 Years Old?

The most popular choices for people aged over 50 include:

  • Private medical insurance (PMI): This covers the cost of private medical treatment, including consultations, tests, and hospital stays.
  • Critical illness cover: This provides a lump sum payment in case of a critical illness, such as cancer or a heart attack.
  • Health cash plans: These provide cash payouts for everyday healthcare expenses, such as dental check-ups, eye tests, and prescription glasses.

What's The Maximum Age Limit For Health Insurance?

The maximum age limit for health insurance will vary depending on the insurer and the type of policy. While some insurers may not offer policies to people over a certain age, many insurers still provide coverage up to age 80 or beyond. This is something we will check when we give you your quote.

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What Should People Aged Over 50, 60, 70, and 80 Years Old Look For When Choosing A Health Insurance Policy?

When choosing a health insurance policy, consider factors such as:

  • The level of coverage
  • The cost of the policy
  • Any exclusions or limitations
  • The policy’s waiting periods (i.e. the time you have to wait before you can make a claim)
  • The insurer’s reputation and customer service record

When you receive a quote through MediCompare, we will take all of these factors into consideration.

How Do I Make a Claim on My Health Insurance Policy?

The exact process will depend on your insurer and the type of policy you have. Usually you will need to provide evidence of your medical treatment, including:

  • Invoices
  • Receipts

However, you should check the terms and conditions of your unique policy.


Our dedicated team will get in touch with you on the same day and provide you with a quotation.

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