Cookie Use

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.

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

There are a vast range of Health Insurance products on the market today, some are specific senior private 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 your 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.

Sarah provided an excellent and informative service.

Arthur Coates
31/01/2019
Compare Top 10 UK InsurersTakes approx. 60 seconds

Or call us on 0208 432 7333

Compare Top UK Insurer Quotes Logos
What's the Difference Between Private Medical Insurance and Travel Insurance?
What is the difference between private medical insurance and travel insurance? I have read through the benefits provided on my travel insurance plan
What's the Difference Between Inpatient and Outpatient Cover?
What is the difference between inpatient treatment and outpatient treatment cover? I am considering a private medical insurance policy
How Does Continuing Personal Medical Exclusions (CPME) Work if I Switch My Health Insurance Plan?
How does continuing personal medical exclusions (CPME) work if I switch my health plan? I have existing health cover and am look to find a cheaper alternative, I have claimed on the policy in the past and wanted to know if I would still be able to claim
Until What Age Can Children Remain on a Family Health Insurance Plan?
Until what age can children remain on a family health insurance plan? We have a private medical insurance plan for our family
What's the Maximum Limit I Can Claim on My Private Health Insurance?
What is the maximum limit I can claim on my private health insurance? I am looking to take out private medical insurance and I was wondering if there are any claim limits?
Does My Private Health Insurance Cover Me for Routine Dental Treatment?
Does my private medical insurance cover me for routine dental treatment? I go to a private dentist for check-ups and hygienist and pay for the treatment out of my own pocket. I have private medical insurance and wanted to know whether I could claim back a
Contact Us
Head Office & Pensions and Investments
Cannon Place
78 Cannon Street
London
EC4N 6HL
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.