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Life over 50 can be unpredictable. When you need it most, great health care coverage means focusing on enjoying life without worrying about medical bills or when you will get access to excellent treatment.

Getting over 50s health insurance can be overwhelming. With many suppliers offering different coverage options with varying terms, it can be challenging to find the right insurance for you and your loved ones.

Our friendly and unbiased service makes finding 50-plus insurance fast and simple. We compare the best health insurance for adults over 50 from the UK’s leading insurance providers. Considering your specific needs and circumstances, we deliver the best options for you - crossing another thing off your to-do list.

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Over 50s Health Check

Although we know you’re young at heart, getting older means putting a little more emphasis on caring for our bodies. Keeping fit and healthy in our 50s keeps us doing the things we love for longer.

It’s essential to keep up with those health worries, and stay on top of those doctor’s appointments. If you’re worried about cancer, cholesterol levels, or anything else, having private health insurance in place gives you that piece of mind.

Private Health Insurance for Over 50s

A senior health insurance policy is usually made up of two key elements; core cover, which comes as standard, and added-extras which cost more, but enhance your cover. Policies are very flexible and only need include the things which are important to you. This makes the options endless and it can become confusing. Our experts are on the end of the phone locally if you would like to chat through your options. 

Insurance for You and Your Loved Ones

Whatever time of life you’re in, family always comes first. Getting health insurance isn’t just for you; it’s for everyone around you. With plans that offer household family discounts and options to fit every family’s budget, you’re free to choose a plan to insure your partner and add private insurance for your children. With a health insurance for over 50s plan, you can sleep soundly knowing that if the worst were to happen, your family is covered.

Benefit Description
In-patient Cover

Cover for when you’re admitted to hospital and stay overnight. Cover includes hospital accommodation charges, specialist fees such as consultants, surgeons and anaesthetists, diagnostic tests and scans such as CT, PET or MRI, plus X-rays or physiological tests. Some insurers also offer additional benefits, such as physiotherapy, as part of their in-patient cover.
Day-patient Cover Covers you when you’re admitted to hospital and discharged the same day and includes the same benefits as in-patient cover.
Out-patient cover

Covers you when you visit a hospital and return home the same day without being admitted – in other words, you’re not given a hospital bed. Out-patient cover includes the cost of consultations, diagnostic scans/tests and some minor surgical procedures. Some insurers also include physiotherapy in their out-patient cover.

You can choose to have a fully comprehensive option which includes out-patient cover in full, remove this cover or limit it. If you choose to limit your outpatient cover, there are usually a range of limits you can set, usually from £500 to £1,500.
Cancer Cover Most private medical insurance policies will offer cancer cover within their core cover. It is one of the most valued benefits of private medical insurance policies.
Digital GPs and health support Most policies offer Digital GPs and telephone support within their core cover offering, to allow you access to prompt and convenient health advice.

Affordable Health Insurance for the Over 50s

Whether you’re already retired or still living a full working life, having health insurance taken care of will put your mind at ease for the future.

Whatever your budget, health insurance helps lighten your financial burden when you need it most. Our policies cover a range of coverage options and benefits so that you only pay for the type of treatment you need. With cheap health insurance for people over 50 or comprehensive coverage plans, including benefits and add-ons, Usay finds the best cover for your needs.

Frequently Asked Questions

Can I Have Health Insurance if I’m Retired?

Yes, you can get over 50s health insurance whether you’re retired or still working. Whatever lifestyle you’re living, getting private health insurance cover helps you prepare for the future

Do I Need an Over 50s Health Check to Get Health Insurance?

Many over 50s health insurance providers don’t need a health check. If you have pre-existing conditions, however, these may not be covered. Speak to your friendly Usay adviser, who can offer you specific advice.

What is the Best Health Insurance Cover for Over 50s?

The best health insurance coverage for over 50s depends on your individual circumstances. Usay works with the leading health insurance providers to help you find the best option to suit your needs and budget.

What’s Included in Over 50s Health Insurance?

Each plan is different, but your over 50s health insurance plan may include private hospital treatments, diagnostic tests and specialist consultations, mental health coverage, and alternative therapy. What’s included in your individual plan depends on the type of cover you choose and the benefits you select.

Why Compare Health & Life Insurance with us?

Here at Usay Compare, we can help you to compare prices and coaver from the market leading UK health and life insurance companies such as Aviva, AXA and Bupa. Our service is completely free of charge and we are totally independent and impartial.

Our unparalleled team of friendly, expert advisers are on the end of the phone, ready to guide you easily through the whole process. They will get to know your unique individual requirements, do all the hard work comparing prices and policies for you; then advise on the best and most cost-effective quote.

Secure the perfect policy at the best price.

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Health Insurance Guides

Below are our in-depth guides to help you decipher the various Health Insurances available and learn more about how they work. Don't forget our advisers are always at the end of the phone to offer free, expert advice should you prefer to speak to someone in person.

Compare UK Health Insurance Providers

For more expert advice and reviews of the top UK Health Insurance companies, click below.

VitalityHealth is a UK based company specialising in Private Medical Insurance with over 1 million UK customers. The Vitality brand is well-known for its incentive-based model encouraging healthy living in exchange for rewards.
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AXA Health have been covering people with private policies since before the formation of the NHS. AXA Health headquarters are in Tunbridge Wells, in Kent and they are a part of the global AXA Group.
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Freedom are a family run company, based in Poole, passionate about providing a caring and compassionate service.
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The Exeter are one of the largest friendly societies in the UK with over 90,000 members and more than 100 employees. Their headquarters is in the city of Exeter.
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Bupa is a household name, synonymous with healthcare and Health Insurance, with over 31 million customers and around 83,000 employees across the globe.
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AVIVA PLC is the largest general insurer in the UK and a multinational insurance company with about 33 million customers across 16 countries.
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