Is There a Maximum Age Limit When Taking Out Private Health Insurance?

I have been on a group scheme most of my working life and am now getting close to retirement. I was wondering whether there was a maximum age limit to set up an individual plan for when I leave my company scheme?

Question asked by George Jackson
12/04/2021

As with most things in the insurance world this varies wildly from insurer to insurer.

Some insurers do place a maximum age limit on starting a new policy, a handful of which set it as low as age 65. However many insurers now allow new joiners up to age 75 and some have no restriction on the age at which you can start a new plan.

Continuation option on business health insurance scheme

Given you are in an existing company health insurance scheme some insurers offer a continuation option for leavers of a group arrangement to continue the policy as a personal Health Insurance plan.

If you do review the market when leaving your group scheme there are a number of points to consider including potential medical exclusions, the level of cover you’ll require and which insurer best fits your needs.

Should you wish to discuss further please do not hesitate to give us a call and we will be able to point you in the right direction – we’re available on 02074425880.

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