Expert Cover for Mature Adults
Our over 50s health insurance plans are specifically tailored to address the healthcare priorities of mature adults. We understand that your healthcare needs evolve as you age, which is why our policies focus on providing swift access to specialists, treatments for age-related conditions, and comprehensive preventative care.
- Specialised coverage for age-related conditions
- No upper age limit for new policy applications
- Fast-track consultant appointments and diagnostics
- Home nursing and recovery support
- Comprehensive preventative health assessments
Insurance Cover
Individual health insurance typically covers inpatient treatment, day-patient treatment, outpatient consultations, diagnostic tests, and specialist referrals
Virtual GP Services Available
Convenient Online Access: Many UK health insurers now offer virtual GP services as part of their policies, allowing you to speak with a qualified GP from home or work, often within hours.
Comprehensive coverage designed around your unique healthcare needs and budget. Whether you’re looking for basic coverage or a premium plan with extensive benefits, we’ll help you find the perfect match.
Peace of Mind is only a phone call away
While some insurers do have upper age limits for new policies (typically between 65-80), many UK providers offer specialised plans specifically for older adults with no upper age limit. The key difference is often in how premiums are calculated and what conditions are covered. We work with a wide range of insurers to find options that provide appropriate coverage regardless of age.
Pre-existing conditions are typically assessed in one of three ways: full medical underwriting (detailed medical history review), moratorium underwriting (conditions you’ve had symptoms, medication, or treatment for in the past few years are temporarily excluded), or medical history disregarded (rare, but covers pre-existing conditions). For over 50s, some specialised policies offer more lenient assessments of pre-existing conditions than standard policies.
Most comprehensive over 50s health insurance policies include extensive cancer coverage, which can be particularly valuable since cancer risk increases with age. This typically includes diagnostic tests, surgery, radiotherapy, chemotherapy, and newer treatments that might not be readily available on the NHS. Many policies also provide additional support such as home nursing, emotional support, and palliative care if needed.
Yes, you can switch insurers at any age, though the terms may differ from those available to younger customers. Many insurers offer specialised switch policies for over 50s that can provide continuity of cover for conditions that were covered under your previous policy. These are often called “continued personal medical exclusions” (CPME) terms. We can help assess if switching would be beneficial and guide you through the process.
Yes, health insurance premiums typically increase with age as the risk of requiring medical treatment increases. However, the specific approach varies by insurer. Some have gradual annual increases, while others use age bands (e.g., 50-54, 55-59) where premiums jump when you move to a new band. Many over 50s specialists offer more stable premium structures and ways to control costs through benefit selection and excess options.