OVER-50s HEALTH INSURANCE

Health cover built around the people you love and the life you want to keep living.

Fast answers and expert care, without long NHS waits.

Check your cover choices

OVER-50s HEALTH INSURANCE

Health cover built around the people you love and the life you want to keep living.

Fast answers and expert care, without long NHS waits.

After 50, early answers matter.

Private cover helps you catch issues quickly, stay mobile, and keep doing the things you love.

Medical Cover for Later Life

🟢  Faster diagnosis when something changes

        Skip long NHS waits for scans, tests and specialist opinions.

🟢 Care that supports your independence

       Quick treatment for the things that affect mobility, comfort and confidence.

🟢 Clear, honest cover

      Know exactly what’s included – and what isn’t.

🟢 Cancer cover that actually protects you

      Access to the right specialists, drugs and treatment pathways.

🟢 Mental health support that understands later life

      Straightforward help when you need it.

🟢 Stay well for longer

       Private pathways help you stay active, avoid long delays, and protect your

       quality of life as you get older.

Keeping up with the
grandchildren, and loving
every minute.

The 2026 Longevity Report

Click on the title above to take you to our 2026 Longevity Protocol report, which outlines how modern health insurance helps you live better, not just longer

Its a guide for the over 50s – and anyone thinking seriously about their future

Simple, Straightforward Health Support for Your Next Great Chapter

Looking after yourself shouldnt feel complicated

 

What’s available for Over-50s Health Insurance?

  • See specialists without the long wait – Quick access to specialists and tests, often much faster than the NHS.

  • Your own private room if you need hospital care –A comfortable, quiet space for operations or overnight stays.

  • Proper cancer cover with access to the latest treatments – Including drugs and therapies not always available through the NHS.

  • A GP you can reach anytime –24/7 online GP service – video calls from home, often same day.                                                                                                                                        

  • Support for your mental health too – Access to counsellors or therapists when you need a bit of extra help.

 

A few things worth knowing – Generally speaking, insurance is for the new and unforeseen. It covers new health issues, not ones you’ve already been treated for or had symptoms of in recent years.

You can pick and choose – Build a policy that fits your life and your budget.

The excess bit – A small amount you can choose to pay if you claim – it helps reduce your monthly payments.

If you’d like to talk it through, we’re here.

Request a Call Back

After 50, early answers matter.

Private cover helps you catch issues quickly, stay mobile, and keep doing the things you love.

Faster diagnosis when something changes – Skip long NHS waits for scans, tests and specialist opinions.

Care that supports your independence – Quick treatment for the things that affect mobility, comfort and confidence.

Clear, honest cover – Know exactly what’s included – and what isn’t.

Cancer cover that actually protects you – Access to the right specialists, drugs and treatment pathways.

Mental health support that understands later life – Straightforward help when you need it.

Stay well for longer – Private pathways help you stay active, avoid long delays, and protect your quality of life as you get older.

Staying active starts with early answers.

Looking after yourself

shouldn’t feel

complicated

What’s available for Over-50s Health Insurance?

  • See specialists without the long wait – Quick access to specialists and tests, often much faster than the NHS.

  • Your own private room if you need hospital care – A comfortable, quiet space for operations or overnight stays.

  • Proper cancer cover with access to the latest treatments – Including drugs and therapies not always available through the NHS.

  • A GP you can reach anytime – 24/7 online GP service – video calls from home, often same day.                                                                                       

  • Support for your mental health too – Access to counsellors or therapists when you need a bit of extra help.

A few things worth knowing

Generally speaking, insurance is for the new and unforeseen.

It covers new health issues, not ones you’ve already been treated for or had symptoms of in recent years.

You can pick and choose

Build a policy that fits your life and your budget.

The excess bit

A small amount you can choose to pay if you claim – it helps reduce your monthly payments.

If you’d like to talk it through, we’re here.

Start Your Quote

Digital GP.

Expert care,

Without the wait.

Getting a GP appointment now takes longer than many people expect.

With the NHS down the equivalent of 667 full time GPs since 2015, even a routine appointment can turn into a fortnight of waiting.

A Digital GP gives you a quicker way to get answers and support. Appointments are usually available within 24 to 48 hours, often the same day, so you spend less time waiting and more time feeling in control.

Learn more about Virtual GP Appointments

Digital GP. Expert care, without the wait

Getting help shouldn’t feel like a waiting game.

With the NHS down the equivalent of 667 full-time GPs since 2015 a routine appointment can mean a fortnight of worrying.

A Digital GP changes that completely, with GPs available within 24-48 hours, often the same day.

Learn more about virtual GP appointments

Frequently Asked Questions

Is health insurance more expensive over 50

It can be, because we naturally use healthcare more as we get older. But there are ways to keep costs sensible, like choosing a guided hospital list or adding an excess.

Is private medical insurance still affordable in my 60s and 70s?

It’s true that premiums rise as we get older, but affordability is really about choosing cover that fits your life – not paying for things you don’t need. Most people in their 60s and 70s keep costs steady by adjusting a few simple things: the level of outpatient cover, their hospital list, or adding a small excess.

You’re not locked into one version of your policy forever. We help you shape it each year so it stays comfortable, predictable and sustainable. The goal isn’t the cheapest cover, it’s the right cover that still feel

What conditions are covered at this age

You’re covered for new conditions that arise after your policy starts. Things you’ve had before may be excluded, depending on the underwriting you choose.

Can I still get cover if I take regular medication

Yes. Medication doesn’t stop you getting a policy. It just helps the insurer understand what might be excluded.

Does it include cancer cover

Yes. Most over‑50s policies include strong cancer care, access to specialists, and modern treatments that aren’t always available on the NHS.

Is mental health support included

Most policies include counselling and therapy. You can choose how much support you want.

Will this help me stay independent as I get older?

Yes – and this is one of the biggest reasons people over 50 choose private cover. Quick access to scans, specialists and treatment means small issues are dealt with before they start affecting your mobility, confidence or day‑to‑day independence.

Things like joint pain, cataracts, hernias or unexpected health changes can slow you down if you’re stuck waiting. Private pathways help you stay active, keep doing the things you love, and avoid long delays that can knock your quality of life.

It’s not just about healthcare, it’s about staying in control of your wellbeing as you get older.

Can I switch from another insurer at this age

Yes, and you can often keep your existing medical terms. I can check this safely so you don’t lose important benefits.