I am close to retirement, are there specific senior health insurance plans?

Now I am closing in on retirement I am reviewing my current situation and have come to consider private medical insurance and wanted to know whether there were plans specifically designed for older individuals?

Question asked by Lee Turner
Compare Top 10 UK
 Health
Insurers
 
Takes approx. 60 seconds
Level of Cover
Excess
Date of Birth

Answered by Andrew Jenkinson

There are a vast range of health insurance products on the market today, some are specific seniorprivate medical plans and some are open to all. Most insurers will now allow individuals to join their schemes as a new member right up to the age of 75 and you can continue cover from there for as long as necessary.

Given private health insurance premiums rise with age some of the insurers which offer senior or elderly specific health plans can often strip out elements of the cover and include large excesses on the plan to make the premiums affordable. Thus it is important to have a good read of the terms and conditions to ensure you are comparing apples with apples when weighing up the options from a range of insurers.

I would suggest comparing a few standard products which are open to all ages with those that are specific to a certain age group, depending on yoru requirements from the cover a standard health insurance plan which is open to all could well end up more appropriate.

As with any policy, senior health plans tend to be made up of a core level of inpatient cover, a set level of outpatient cover and additional benefits. Generally speaking most plans will cover inpatient treatment in full and offer varying degrees of outpatient cover.

senior
 
private health insurance
 
elderly
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Private Medical Insurance Questions

 
I am new to being self employed and am looking to replace a number of employee benefits I received through...
 
I am considering taking out a health insurance policy and wanted to know whether it would cover emergencies...
 
I’ve been looking to switch my company’s Business Health Insurance scheme due to some of...
 
I am looking for a comprehensive medical insurance plan and want to know what defines a plan as comprehensive...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Edward Brampton
13/01/2018

They were patient thorrgh and good value for money. I regret not using them before and I will use them again in the future.

Fiona Katumwa
11/01/2018

Very excellent service and informative. All options were offered and I had to make my own decision at the end. Would recommend.

Graham Mccollum
14/01/2018

Very efficient and well instructed service with polite staff, I felt Drewberry really did do their utmost to find the best deal for me personally.

We are rated 4.9/5 based on 1320 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1398 Reviews
A
Overall Rating
Very supportive and helped to choose effective product.
S Cutter
Overall Rating
Very professional and easy to deal with. Jake treated me like a human being and made me feel like a valued customer.
P
Overall Rating
Applied for an income protection plan and owing to medical condition had to make a few changes and Victoria from drewberry was really helpful
P Monaghan
Overall Rating
Courteous, prompt and clear service
D Lewis
Overall Rating
I was having trouble finding a suitable income protection policy online and was unclear about what I should be looking for, so I contacted Drewberry. The process was very quick and straightforward. They called me and explained how this type of insurance works, and then went through series of questions about my circumstances to try and find the right cover for me. They came back to me the next day with several suitable options and emailed all the relevant information clearly laid out. Michael Barrow, the advisor I spoke to, was happy to explain things in detail and answer any questions I had. I would definitely recommend Drewberry as they took all the hassle out of a confusing search.