Health cover when it matters most
The over-60s are more likely to need medical care, making fast access valuable — but premiums also rise with age. The best policy balances meaningful cover with a premium you can sustain, and is structured to keep costs down without losing the benefits that matter.
1. Comprehensive cover
Full inpatient and outpatient treatment, diagnostics and specialist access. Best for those who want the fullest, fastest access and can afford a higher premium — often the priority as health needs grow.
2. Core cover with an excess
Strong hospital cover with a voluntary excess to reduce the premium. Best for over-60s wanting solid protection at a more manageable cost — you pay the first part of any claim.
3. Six-week NHS wait option
Private treatment kicks in only if the NHS can't treat you within six weeks, cutting the premium significantly. Best for those happy to use the NHS for shorter waits but wanting private cover for longer ones.
4. Reviewing rather than auto-renewing
Premiums can jump at renewal. Reviewing the market — or adjusting your excess and hospital list — can keep cover affordable. Best done annually; don't simply accept the renewal quote.
5. Switching insurers carefully
You can switch and often retain cover for conditions already covered (continued personal medical exclusions), sometimes for a better price. Best done with advice to avoid losing cover for existing conditions.
How to manage cost and cover
- Fullest access: comprehensive cover
- Lower premium: add an excess or a six-week NHS wait option
- Every year: review rather than auto-renew
- Switching: take advice to protect existing conditions
How to find the best over-60s health cover
A specialist who compares the market can find the best value for your age and health, and advise on switching without losing cover. Find a health insurance specialist through Nesto — free, no obligation.
Frequently asked questions
Can I get private health insurance over 60?
Yes — it's widely available. Premiums are higher with age, but you can manage cost through excesses and policy structure.
Why do premiums rise as I get older?
Because the likelihood of claims increases with age. Reviewing your policy and adjusting the excess or options helps control cost.
Can I switch insurers without losing cover?
Often yes — switching with continued personal medical exclusions can preserve cover for existing conditions. Take advice to do it safely.
Are pre-existing conditions covered?
Usually excluded on new policies, though moratorium terms may cover them after a symptom-free period. Check carefully.
How do I lower my premium?
Add a voluntary excess, choose a guided hospital list, or opt for a six-week NHS wait option.