Senior Health Insurance

Senior health insurance premiums are higher than those for younger adults, as the likelihood of needing treatment increases with age. However, there are several ways to manage the cost such as choosing a guided hospital list, selecting a higher excess, or opting for outpatient limits. Our advisers are experienced at finding the right balance of cover and cost for older clients.

Pre-existing conditions are generally excluded on new policies. However, if you are switching from an existing private health insurance policy, it is often possible to carry over existing conditions under a "continued personal medical exclusions" arrangement. Our advisers will review your current policy and help you understand what can be transferred and what options are available to you.

Many retirees find health insurance particularly valuable. Without an employer covering the cost of sick days, time spent waiting for NHS treatment can affect your quality of life and retirement plans. Private health insurance gives you the reassurance that if something goes wrong, you can access the care you need quickly without long waits or travelling far from home. The peace of mind alone is something many of our senior clients say is worth the premium.

Yes if you have an existing health insurance policy, we can review it and compare it against the current market to see if you could get the same or better cover at a lower premium. Many long-standing policyholders are paying more than they need to. Our advisers regularly help senior clients save significant amounts at renewal by switching to a more competitive policy.

Standard health insurance policies are designed to cover the diagnosis and treatment of new acute conditions rather than routine check-ups. However, some insurers offer health screening or wellbeing checks as an add-on or as part of a comprehensive policy. Our advisers will highlight which policies include these benefits and whether they are likely to be cost-effective for your circumstances.