Health insurance for over 50s
As we get older, our health needs can change. Having private health insurance when you reach your 50’s gives you peace of mind that you’ll receive fast, high-quality private medical care whenever you need it. Whether it’s for new symptoms or specialist consultations, private health cover helps you skip NHS waiting lists and access treatment quickly, comfortably, and on your terms.
What is over 50s health insurance?
Over 50s health insurance is designed to cover the cost of private medical treatment for people aged 50 and above. It provides access to private hospitals, consultants, and diagnostic tests, helping you receive prompt care without delay.
You can take out an individual policy or include your partner as part of a joint plan. Many providers also offer flexible options for pre-existing conditions or budget-friendly policies that focus on inpatient care only.
What does over 50s health insurance cover?
While exact benefits depend on your chosen insurer and policy level, most plans include:
Consultations with private specialists
Diagnostic tests and scans (like MRI, CT, X-ray)
Surgery and hospital stays
Cancer treatment and aftercare
Access to virtual GP appointments
Some policies also include:
Mental health support and counselling
Physiotherapy and complementary therapies
How much does over 50s health insurance cost?
Premiums depend on your age, location, medical history, and level of cover. There are a few ways you can lower your premium such as adding an excess, paying annually rather than monthly or limiting your hospital list.
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