Why use a Private Health Insurance Broker?
Private health insurance isn't just for the wealthy. With NHS waiting lists at record highs, a well-structured policy can be surprisingly affordable — and the difference between waiting months for a diagnosis and being seen within days could be your life. An independent health insurance broker compares all major providers, structures a policy around your budget and health priorities, and ensures you're not paying for cover you'll never use.
Faster treatment
Skip waiting lists and be seen by specialists within days, not months.
Best hospitals
Access to leading consultants at top private hospitals and clinics.
Right budget
A broker structures your policy to give maximum value at your budget — no paying for cover you don't need.
Full market comparison
Bupa, AXA, Vitality, Aviva, Cigna — your broker compares all major providers independently.
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How Nesto works
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Answer a few quick questions about your situation so we can understand exactly what kind of private health insurance adviser you need.
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Your adviser contacts you within 24 hours to arrange a free initial consultation with no obligation to proceed.
It takes under 2 minutes. It costs nothing.
58,000+ people have already been matchedWhat a Private Health Insurance Broker can help with
Outpatient cover
Consultations, diagnostics and specialist appointments without a GP referral.
Inpatient treatment
Hospital stays, surgery and specialist procedures covered.
Mental health
Increasingly important — cover for therapy, psychiatric care and psychological support.
Dental & optical
Add-ons for dental treatment and optical care not covered by the NHS.
Physio & rehab
Physiotherapy, osteopathy and rehabilitation treatment.
Family cover
Extend cover to partner and children — often surprisingly cost-effective on a family policy.
Health insurance over 60: what it costs and how underwriting works
Searching for health insurance over 60 usually starts with one worry: price. Age is the single biggest input to a private medical insurance premium, and by your sixties you'll pay several times what a thirty-something pays for the same plan — but cover remains widely available, there is no upper age limit with most major insurers for new policies taken in your sixties, and a broker can usually trim more from an over-60s quote than from any other age group. As of July 2026, published market data puts typical over-60s premiums in these ranges (WeCovr over-60s pricing guide, 2026; the UK all-ages averages are £66.55 a month basic and £98.53 comprehensive per myTribe Insurance, 2026):
| Level of cover (age 60+) | Typical monthly premium | What it usually includes |
|---|---|---|
| Basic (inpatient-focused) | £75–£130 | Private hospital treatment and surgery; limited outpatient cover |
| Mid-range | £110–£190 | Adds outpatient consultations and diagnostics up to an annual limit |
| Comprehensive | £160–£260+ | Full outpatient cover, extensive cancer cover, therapies and more |
Representative ranges from published 2026 comparison data (WeCovr; myTribe Insurance), accessed July 2026. Premiums vary by postcode, excess, hospital list and health history — an FCA-authorised broker will confirm your actual price.
Beyond age, four choices move an over-60s premium the most. A higher voluntary excess and a "guided" option — letting the insurer choose your consultant from an approved list — can each cut roughly 20% or more from the quote. Dropping full outpatient cover can roughly halve the cost against a fully comprehensive plan. A six-week option, which only pays for private treatment when the NHS wait exceeds six weeks, cuts the premium substantially again. And premiums are higher in big cities — notably London — where private treatment costs more.
The other decision that matters at this age is underwriting. Moratorium underwriting requires no medical questionnaire: instead, anything you've had treatment, symptoms or advice for in the last five years is excluded, but typically becomes covered again once you go two continuous trouble-free years without treatment for it. Full medical underwriting means declaring your history up front; exclusions are then fixed and explicit, which gives certainty and occasionally covers conditions a moratorium would not. Neither is universally better for the over-60s — it depends entirely on your medical history, which is exactly the judgement an FCA-authorised health insurance broker (introduced free through Nesto) is qualified to make. For a deeper dive, see our private health insurance for over-60s guide and the full PMI cost guide.
Frequently asked questions about Private Health Insurance Brokers
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