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ActiveQuote Global Reach, Dunleavey Drive Cardiff South Wales CF11 0SN 0800 862 0373

Health insurance for seniors

  • Avoid NHS waiting lists
  • See a private consultant
  • Tailored private medical treatment
  • Avoid NHS waiting lists
  • See a private consultant
  • Tailored private medical treatment

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Whatever your time of life, keeping yourself in tip-top shape is a priority. As we age, it’s natural to feel the odd niggle now and then, but complicated conditions that require hospital treatment are also more likely to happen in later life.

Taking out private health insurance offers the peace of mind that, should an illness occur, you can bypass long waiting lists to receive the expert healthcare you need without delay. That means speedy appointments with consultants and for diagnostic tests, the very latest surgical procedures and excellent aftercare in comfortable surroundings, as well as access to some drugs that aren’t available on the NHS.

Tailored, top quality healthcare like this means you can put all your energies into getting well again quickly. Many health insurance companies offer specialist plans for the over 50s, 60s and 70s, so it can be a good idea to compare health insurance quotes to get the best cover for your time of life.

Does private health insurance cover pre-existing conditions?

Health insurance is designed to cover unforeseen medical conditions rather than any condition you’ve received treatment for before the start of your health insurance policy. However, in some cases, depending on the underwriting, the condition could become covered in the future, should you be free of symptoms and require no treatment for two continuous years after the start of your policy.

Our guide to health insurance and pre-existing conditions helps explain your options. Our specialist advisors are also on hand on 0800 862 0373 to help you decide which policy is right for you.

Save money on your private health insurance

Does private health insurance cover chronic conditions?

A chronic condition is classified as a disease, injury or illness that needs to be treated and managed indefinitely, such as arthritis or diabetes. If you’ve already been diagnosed with and treated for the condition, insurance companies will regard it as a pre-existing condition. 

If the chronic condition develops after the start of the policy, you will be covered for treatment to help stabilise the condition and for any acute flare-ups in the future. There’s plenty of information in our health insurance and chronic conditions guide.

What senior specialist health cover can I get?

If a health insurance company’s standard policy doesn’t include everything you’re looking for as you get older, you can upgrade and add cover for a range of conditions you may be concerned about.

Perhaps there’s a history of cancer or heart disease in your family, so you’d like a specialist add-on option to cover you for the very latest innovative treatments and surgery relating to these conditions. You might also want helpful aftercare, including physiotherapy and rehabilitation.

Or maybe you’re thinking ahead to a time when you may need joint (hip or knee) replacement surgery. Opting for health insurance that covers you for this type of treatment will give you access to expert care without enduring lengthy periods of pain.

Some comprehensive policies also cover practicalities such as home nursing and the cost of a cattery or kennels for your pets if you have to stay in hospital for a length of time.

How can I reduce my senior health insurance premiums?

There are a number of ways in which you can make your senior health insurance more affordable. Some policies offer cheaper premiums if you choose a so-called ‘six-week wait’ option, where you use the NHS to receive inpatient treatment unless the expected wait is longer than six weeks. In this case, you would receive private treatment via your policy right away. 

You can also reduce your premiums by limiting the choice of clinics or hospitals you choose for treatment or by agreeing to pay a larger excess. 

Choosing only the cover you feel you really need will also help reduce your senior private medical insurance premiums. Our experts can help you compare health insurance policies and prices to ensure you’re covered for what’s important to you at a cost that suits your pocket. We’ll also carry out an annual health insurance policy review to ensure it’s working well for you.

Staying active and making good lifestyle choices can help keep you well and even increase your life expectancy - read our guide to find out more!