Health Insurance for Over 50s in the UK
WeCovr's expert guide to protecting your health in your 50s and beyond
Welcome to your definitive guide on private medical insurance for over 50s in the UK. At WeCovr, an FCA-authorised broker that has helped arrange over 800,000 policies, we understand that your 50s are a pivotal decade. It’s a time for looking ahead, and ensuring your health is a top priority.
Turning 50 often brings a renewed focus on wellbeing. You might be at the peak of your career, planning for retirement, or enjoying more time with family. Whatever your circumstances, having a robust plan for your health provides invaluable peace of mind. This guide will walk you through everything you need to know about private health cover, helping you make an informed choice for your future.
Why Should You Consider Health Insurance in Your 50s?
While the NHS provides an essential service to the nation, it is facing unprecedented pressures. For those over 50, where the likelihood of needing medical attention increases, these pressures can be a real concern.
According to the Office for National Statistics (ONS), people aged 50-59 are more likely to experience certain health conditions. This is a natural part of ageing, but waiting for treatment can be frustrating and detrimental to your quality of life.
Key Reasons to Consider Private Medical Insurance (PMI):
- Beat the Waiting Lists: As of early 2025, NHS waiting lists in England remain a significant challenge, with millions of people waiting for routine treatment. Private health insurance allows you to bypass these queues for eligible conditions, getting you diagnosed and treated faster.
- Choice and Control: PMI gives you more control over your healthcare. You can often choose the specialist who treats you and the hospital where you receive care, including high-quality private facilities.
- Comfort and Privacy: A major benefit for many is the comfort of a private room during a hospital stay, allowing you to recover in a quiet and peaceful environment.
- Access to Specialist Drugs and Treatments: Some cutting-edge drugs and treatments may not be available on the NHS due to cost or other restrictions. PMI policies can sometimes provide access to these, subject to your policy terms.
- Peace of Mind: Knowing you have a plan in place to quickly access medical care when you need it most reduces worry for you and your loved ones.
In essence, private health cover works alongside the NHS. You still use the NHS for emergencies (A&E), GP visits, and managing long-term chronic conditions. PMI is there for the unexpected acute conditions that need specialist intervention.
How Private Medical Insurance (PMI) Works: The Core Principles
Understanding what PMI is—and what it isn't—is the most important step. Many people have misconceptions, so let's clear them up.
PMI is for Acute Conditions, Not Chronic Ones
This is the golden rule of private medical insurance in the UK.
- An Acute Condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Think of things like cataracts, joint replacements, or hernias.
- A Chronic Condition is a disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, has no known cure, is likely to recur, or requires ongoing management. Examples include diabetes, asthma, high blood pressure, and arthritis.
Crucial Point: Standard UK private medical insurance does not cover pre-existing conditions or chronic conditions. It is designed to cover new, eligible medical issues that arise after your policy has started.
Think of it like this: you can't buy car insurance after you've had an accident and expect it to cover the repairs. Similarly, you can't buy health insurance to cover a condition you already have.
The Patient Journey with PMI
If you have PMI and develop a new symptom, the process typically looks like this:
- Visit Your GP: Your healthcare journey almost always starts with your NHS GP. You discuss your symptoms, and if they feel you need to see a specialist, they will write you a referral letter.
- Contact Your Insurer: You call your insurance provider's claims line, explain the situation, and provide your GP referral.
- Get Authorisation: The insurer checks that your policy covers the condition and the required specialist consultation or diagnostic tests. They will give you an authorisation number.
- Book Your Appointment: You can now book an appointment with a specialist from your insurer's approved network of consultants and hospitals.
- Treatment: If the specialist recommends treatment (like surgery) that is covered by your policy, the insurer will authorise this, and the private hospital will bill the insurer directly (minus any excess you have).
What Does a Typical PMI Policy for Over 50s Cover?
PMI policies are not one-size-fits-all. They are built from a core foundation with optional extras, allowing you to tailor the cover to your needs and budget.
| Feature Type | What It Typically Includes | Is it Worth It? |
|---|---|---|
| Core Cover (Standard) | In-patient and Day-patient Treatment: Covers costs when you are admitted to hospital for a bed overnight (in-patient) or for the day (day-patient). This includes surgery, hospital fees, specialist fees, and nursing care. | Essential. This is the foundation of any PMI policy and covers the most expensive treatments. |
| Optional Extra | Out-patient Cover: Covers diagnostic tests (MRI, CT scans), consultations with specialists, and other procedures that don't require a hospital bed. | Highly recommended. Most diagnoses happen at the out-patient stage. Without it, you'd rely on the NHS for diagnosis before being able to use your PMI for treatment. |
| Optional Extra | Therapies Cover: Covers treatments like physiotherapy, osteopathy, and chiropractic care. Often includes a set number of sessions per year. | Very useful for over 50s, especially for musculoskeletal issues. Can significantly speed up recovery from injury or surgery. |
| Optional Extra | Mental Health Cover: Provides access to counsellors, therapists, and psychiatrists for conditions like anxiety and depression. | Increasingly important. Good mental health support can be invaluable. Check the limits, as they can vary widely between insurers. |
| Optional Extra | Dental & Optical Cover: Contributes towards the costs of routine dental check-ups, treatments, and prescription glasses/contact lenses. | This is more of a 'cashback' benefit. Consider if the extra premium is worth the amount you can claim back each year. |
An expert adviser at WeCovr can help you understand which options are right for you, ensuring you don't pay for cover you don't need.
Understanding Underwriting: The Key to Your Cover and Price
"Underwriting" is the process an insurer uses to assess your health and medical history to decide what they will and won't cover. For over 50s, this is a critical concept to grasp. There are two main types:
1. Moratorium Underwriting (MORI)
This is the most popular and straightforward option.
- How it works: You don't complete a medical questionnaire when you apply. Instead, the insurer automatically excludes any medical conditions you have had symptoms, treatment, or advice for in the five years before your policy start date.
- The "2-Year Rule": An exclusion might be lifted if you go for a continuous two-year period after your policy starts without having any symptoms, treatment, or advice for that specific condition.
- Pros: Quick and easy application process.
- Cons: There can be uncertainty at the point of claim, as the insurer will investigate your medical history then.
Example: David, 52, takes out a policy with moratorium underwriting. Three years ago, he had physiotherapy for knee pain. This knee condition is automatically excluded for the first two years of his policy. If he has no more trouble with his knee during those two years, it could become eligible for cover afterwards.
2. Full Medical Underwriting (FMU)
This method is more detailed upfront.
- How it works: You complete a full health questionnaire as part of your application, declaring your medical history. The insurer assesses this and tells you from day one exactly what is excluded from your policy.
- Pros: You have complete certainty about what is covered from the start. The claims process can be faster as your history is already declared.
- Cons: The application process is longer. The exclusions are usually permanent and will not be removed later.
| Underwriting Type | Application Process | Certainty of Cover | Claims Process | Best For |
|---|---|---|---|---|
| Moratorium (MORI) | Fast and simple. No medical forms. | Less certainty upfront. Cover is determined at the point of claim. | Can be slower as insurer needs to check your 5-year medical history. | People with a clean bill of health or minor past issues who want a quick start. |
| Full Medical (FMU) | Longer. Requires a full health questionnaire. | Crystal clear from day one. Exclusions are listed on your policy documents. | Often faster as medical history is already declared and assessed. | People who want complete clarity and have a more complex medical history. |
How Much Does Private Health Insurance Cost for Over 50s?
The cost of private health cover increases with age, as the statistical risk of claiming also rises. However, the price is influenced by many factors, and there are excellent ways to manage it.
Key Factors Influencing Your Premium:
- Age: This is the biggest factor. Premiums will be higher at 59 than at 50.
- Level of Cover: A comprehensive policy with all optional extras will cost more than a basic one.
- Excess: This is the amount you agree to pay towards a claim. For example, if you have a £250 excess and your treatment costs £3,000, you pay the first £250 and the insurer pays the rest. A higher excess leads to a lower monthly premium.
- Hospital List: Insurers offer different tiers of hospitals. A policy that only includes local hospitals will be cheaper than one that gives you access to prime central London hospitals.
- Location: Living in major cities, particularly London, often results in higher premiums due to higher treatment costs.
- No-Claims Discount: Similar to car insurance, you can build up a discount for every year you don't make a claim.
Illustrative Monthly Premiums for Over 50s
The table below gives an estimated range of costs. These are for illustration only and are not a quote. Your actual premium will depend on your specific circumstances and choices.
| Age | Basic Cover (Core only, £500 excess) | Mid-Range Cover (Core + Out-patient, £250 excess) | Comprehensive Cover (All extras, £100 excess) |
|---|---|---|---|
| 50 | £50 - £75 | £80 - £120 | £130 - £180+ |
| 55 | £65 - £90 | £100 - £150 | £160 - £220+ |
| 60 | £80 - £110 | £130 - £190 | £200 - £280+ |
Disclaimer: Prices are estimates as of mid-2024 and can vary significantly between providers and based on individual factors. For an accurate quote, speak to an adviser.
Top Strategies for Making PMI More Affordable
Worried about the cost? Here are proven ways to get the cover you need without breaking the bank:
- Increase Your Excess: Choosing an excess of £250, £500, or even £1,000 can dramatically reduce your premium.
- Opt for the "6-Week Wait" Option: This is a brilliant cost-saving feature. If the NHS can provide the treatment you need within six weeks of when it is recommended, you use the NHS. If the wait is longer, your private cover kicks in. This can reduce premiums by up to 30%.
- Tailor Your Hospital List: If you're happy to be treated at local private hospitals, you can choose a more restricted list and save money compared to a nationwide list including premium London clinics.
- Review Your Optional Extras: Be realistic about what you need. Full outpatient cover is valuable, but do you need the dental and optical add-on?
- Use a Broker: An independent PMI broker like WeCovr compares the entire market for you. We find the provider and policy that offers the best value for your specific needs, a service that is completely free to you.
Choosing the Best PMI Provider for You
There is no single "best" provider—only the one that is best for you. Different insurers have different strengths, particularly for the over-50s market.
| Provider | Key Feature / Known For | Good for Over 50s Because... |
|---|---|---|
| AXA Health | Extensive hospital network and strong customer service. | Offers a 'Guided' option where they help you choose a specialist, which can reduce costs. |
| Aviva | A large, trusted brand offering a wide range of customisation. | Their "Healthier Solutions" policy is flexible, and they have a strong digital offering (Aviva DigiCare+). |
| Bupa | The UK's best-known health insurer with a huge network, including their own hospitals and clinics. | Offers comprehensive cancer cover and a strong focus on mental health support. |
| The Exeter | A mutual society known for its excellent service and flexible underwriting. | They are often highly rated for their approach to older applicants and those with some medical history. Their community-rated scheme can also offer more stable pricing. |
| Vitality | Focuses on rewarding healthy living. | Their unique wellness programme rewards you with cinema tickets, coffee, and lower premiums for being active (tracking steps, gym visits etc.). Great if you're motivated to stay fit. |
A Holistic Approach to Health in Your 50s and Beyond
While insurance is a fantastic safety net, the best strategy is to proactively manage your health. Your 50s are the perfect time to build habits that will serve you for decades to come.
- Nutrition: Focus on a balanced diet rich in fruits, vegetables, lean protein, and whole grains. Pay attention to calcium and Vitamin D for bone health, and omega-3s for heart and brain health.
- Stay Active: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This should be a mix of:
- Cardio: Brisk walking, cycling, swimming.
- Strength: Lifting weights, using resistance bands, or bodyweight exercises (like squats and push-ups) to maintain muscle mass and bone density.
- Flexibility & Balance: Yoga, Pilates, and tai chi are excellent for preventing falls and maintaining mobility.
- Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. Poor sleep is linked to a host of health problems, from weight gain to a weakened immune system.
- Mental Wellbeing: Stay socially connected, practice mindfulness or meditation to manage stress, and don't be afraid to seek help if you're struggling with your mental health.
- Regular Health Checks: Attend your NHS health checks and don't ignore new symptoms. Early diagnosis is key.
WeCovr Member Benefit: To support your health goals, when you take out a private medical or life insurance policy with us, you get complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. We also offer discounts on other insurance products, like travel or home insurance, for our valued clients.
Why Use an Expert Broker like WeCovr?
Navigating the private medical insurance UK market can be complex. The terminology is confusing, and the choice of providers and policies is vast. This is where an expert, independent broker makes all the difference.
- Expert, Unbiased Advice: We are not tied to any single insurer. Our loyalty is to you, the client. We provide impartial advice on the whole market.
- Market Comparison: We use our expertise and technology to compare dozens of policies from the UK's leading insurers, finding the perfect fit for your needs and budget.
- No Cost to You: Our service is free. We receive a commission from the insurer you choose, which is already built into the price of the policy whether you buy direct or through us. You pay nothing extra for our expert guidance.
- We Do the Hard Work: From finding quotes to helping with the application and even providing support if you need to claim, we are with you every step of the way.
- Trust and Security: WeCovr is fully authorised and regulated by the Financial Conduct Authority (FCA), giving you confidence that you are dealing with a professional and reputable firm. We have high customer satisfaction ratings and a track record of helping people secure the protection they need.
Can I get health insurance if I have pre-existing medical conditions?
Is private health insurance worth it in the UK if we have the NHS?
Does the price of my health insurance increase every year?
Take the Next Step to Protect Your Health
Your health is your most valuable asset. Taking proactive steps to protect it in your 50s can ensure you stay active, healthy, and happy for years to come. Private medical insurance offers a powerful way to secure fast access to the best care, exactly when you need it.
Ready to explore your options? Get a free, no-obligation quote from WeCovr today. Our friendly, expert advisors are here to answer your questions and help you find the perfect private health cover for your future.
Why private medical insurance and how does it work?
What is Private Medical Insurance?
Private medical insurance (PMI) is a type of health insurance that provides access to private healthcare services in the UK. It covers the cost of private medical treatment, allowing you to bypass NHS waiting lists and receive faster, more convenient care.How does it work?
Private medical insurance works by paying for your private healthcare costs. When you need treatment, you can choose to go private and your insurance will cover the costs, subject to your policy terms and conditions. This can include:• Private consultations with specialists
• Private hospital treatment and surgery
• Diagnostic tests and scans
• Physiotherapy and rehabilitation
• Mental health treatment
Your premium depends on factors like your age, health, occupation, and the level of cover you choose. Most policies offer different levels of cover, from basic to comprehensive, allowing you to tailor the policy to your needs and budget.
Questions to ask yourself regarding private medical insurance
Just ask yourself:👉 Are you concerned about NHS waiting times for treatment?
👉 Would you prefer to choose your own consultant and hospital?
👉 Do you want faster access to diagnostic tests and scans?
👉 Would you like private hospital accommodation and better food?
👉 Do you want to avoid the stress of NHS waiting lists?
Many people don't realise that private medical insurance is more affordable than they think, especially when you consider the value of faster treatment and better facilities. A great insurance policy can provide peace of mind and ensure you receive the care you need when you need it.
Benefits offered by private medical insurance
Private medical insurance provides numerous benefits that can significantly improve your healthcare experience and outcomes:Faster Access to Treatment
One of the biggest advantages is avoiding NHS waiting lists. While the NHS provides excellent care, waiting times can be lengthy. With private medical insurance, you can often receive treatment within days or weeks rather than months.
Choice of Consultant and Hospital
You can choose your preferred consultant and hospital, giving you more control over your healthcare journey. This is particularly important for complex treatments where you want a specific specialist.
Better Facilities and Accommodation
Private hospitals typically offer superior facilities, including private rooms, better food, and more comfortable surroundings. This can make your recovery more pleasant and potentially faster.
Advanced Treatments
Private medical insurance often covers treatments and medications not available on the NHS, giving you access to the latest medical advances and technologies.
Mental Health Support
Many policies include comprehensive mental health coverage, providing faster access to therapy and psychiatric care when needed.
Tax Benefits for Business Owners
If you're self-employed or a business owner, private medical insurance premiums can be tax-deductible, making it a cost-effective way to protect your health and your business.
Peace of Mind
Knowing you have access to private healthcare when you need it provides invaluable peace of mind, especially for those with ongoing health conditions or concerns about NHS capacity.
Private medical insurance is particularly valuable for those who want to take control of their healthcare journey and ensure they receive the best possible treatment when they need it most.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get private medical insurance early?
👉 Many people are very thankful that they had their private medical insurance cover in place before running into some serious health issues. Private medical insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, and even our phones! Yet our health is the most precious thing we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy private medical insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced insurance experts who are passionate about advising people on financial matters related to private medical insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable private medical insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
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