Best Life Insurance For Over 60 In United kingdom – From the age of 65, age can become an inconvenience when hiring health insurance. As a general rule, insurance companies exclude clients who have reached the age of 65 from their policies -some even set the limit at 60 years-, thus making the task of finding insurance that covers them very complicated.
However, it is possible to find health insurance for people over 65 years of age. If you want to know more, read this guide or enter our health insurance comparator. You can also call us or leave us your number if you prefer to receive free advice. An expert broker will be by your side throughout the process.
Specific policies for the elderly
There are insurers that do allow those over a certain age to contract health policies, but, yes, it is normal that hospitalization or surgery is not included. The reason is logical: for an insurer it is a great risk to assume this expense, when it is a person with more possibilities of having to be hospitalized. Customers of these products usually have at their disposal a medical list of specialists, but excluding certain services that require a hospital stay from medical care.
On the other hand, some companies offer a specific type of insurance for the group of people over 60 or 65 years of age whose main characteristic is a much higher premium than that of the rest of the policies on the market. These products usually have a medical chart specialized in geriatrics, in addition to other typical coverage of conventional medical insurance such as diagnostic tests (x-rays, endoscopy or magnetic resonance imaging, among others), and care in specialties such as cardiology or oncology. But there are even more types of medical policies that benefit the elderly; even health insurance with no age limit for permanence.
Below we have analyzed some of the specific policies of this type of the main companies in the market. You can also enter our comparator to see the details of many others.
Adeslas Seniors: Best Life Insurance For Over 60 In United kingdom
Adeslas has designed Adeslas Seniors; an insurance with which those over 55 years of age will be able to access a wide variety of coverage and an extensive medical list. Among the coverages to which the insured of this policy have access is Hospitalization, both with or without surgical intervention, in a single room with a bed for the companion. Likewise, by contracting this insurance you have access to personalized attention in a large number of medical specialties that can be very useful from a certain age:
Sanitas More Vital: Best Life Insurance For Over 60 In United kingdom
Over the years, people have specific needs. For this reason, Sanitas includes the Sanitas Más Vital policy within its wide range of health insurance. It is a product specifically designed so that people over 60 have all their health needs covered. In this way, with Sanitas Más Vital you will have access to a wide range of coverage such as:
- Unlimited family medicine and geriatric consultations.
- Consultations in other specialties.
- Physiotherapy and rehabilitation sessions.
- Podiatry sessions.
- Diagnostic tests.
In addition, Sanitas includes more than 30 services in dental coverage and discounts of up to 21% on other treatments. If you contract with Acierto.com, you will also be able to enjoy exclusive offers for our clients.
Nectar Plus 60: Best Life Insurance For Over 60 In United kingdom
The Néctar company also has specific insurance for the elderly: Néctar Más 60. It is a policy that can be contracted from the age of 55 and has special coverage for that stage of life. The free access -without co-payment- to the general medicine and nursing staff stands out, as well as the 10 sessions, per insured person and year, of rehabilitation and physiotherapy.
In addition, by contracting this policy you will have, without any co-payment, 3 visits to the specialist, a mammogram, a prostate ultrasound, and 6 podiatry sessions per insured per year. Likewise, we must underline that Néctar Más 60 policyholders can enjoy free dental care and special prices on dental treatments, as well as a telepharmacy service with which they bring you the medicine you need, wherever you are, 24 hours a day. hours of the day.
DKV Comprehensive Medical List
Although DKV’s comprehensive insurance is not specially designed for the elderly, it can be taken out up to 75 years of age and offers a large number of coverages:
- Primary care and emergencies
- All specialties and diagnostic means
- Hospitalization and surgery
- No limits on hospitalization -except psychiatry-
- DKV contracted medical directory
- Daily compensation for hospitalization
- Global travel assistance in case of emergency
- Optional reimbursement module in gynecology and pediatrics
- Dental service included
- The widest range of telephone medical lines: pediatric, women’s, sports, nutritional
- Medical assistance in accidents
- Preventive Medicine Programs
People over 60 and health insurance: Best Life Insurance For Over 60 In United kingdom
Beyond the analysis of companies, we cannot fail to comment that the elderly are one of the groups that find it most difficult to access conventional health insurance, due to the fact that they generate higher costs for the companies: they go more to the doctor, they are more likely to suffer from illnesses, to need treatment or diagnostic tests. But precisely because of their vulnerability, many turn to private healthcare looking for a solution that provides the peace of mind of personalized medical attention and without waiting. However, the cost of this peace of mind is higher the older the insured.
Keep in mind that one of the most important factors when setting the price of a health insurance premium is age. For a simple matter of statistics, the older you are, the greater the possibility of needing medical attention. This translates, for the purposes of the company that has to pay this attention, into a higher risk and a higher cost. Therefore, a person over 60 years of age, even if they can take out insurance, will have to assume a very high premium. That is when you have to ask yourself, is it worth taking out a policy of this type?
In fact, after the age of 60 or 65, most companies stop offering medical coverage for new clients and for those who are already insured, they do not offer compensation for temporary disability among their guarantees, once they have reached the limit. of age established in the particular conditions of the policy.
Assuming this reality – that the price is expensive – taking out health insurance or not is already a personal matter, which each client will resolve according to their possibilities and their needs.
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What if I have a policy already taken out and I reach the age limit?
The fact that you have contracted the policy long before reaching the age limit does not mean that the company continues to guarantee you coverage. However, the particular conditions can vary greatly from one policy to another. There are different ways of proceeding in this situation by companies. For this reason, before reaching the agreed age limit, the first step is to consult with the company about the solutions it offers you: if it can continue to offer you coverage and if so, under what conditions; that is, with what guarantees, with what limits and at what price.
You also have to take into account that sometimes you choose not to renew the policy. In other words: they offer you coverage under the agreed conditions until you turn 65. From that moment on, you can opt for a specific product for the elderly, but not with the same conditions that you enjoyed until now.
Other companies continue to provide coverage but in exchange for a considerable increase in the premium or to the detriment of certain coverage.
Of course, it must be clear that, if we are being treated for any previous pathology or illness, the insurer is obliged to continue with the healing process even if the age stipulated in the condition has been reached.
Why look for your health insurance for people over 65 years of age at Acierto.com?
Given all these issues, we can say that finding health insurance is not an easy task, especially when issues such as age come into play. We are not only talking about when we can contract the policy, but what it will cover us, and even terms such as exclusions. In fact, we are more likely to have a pre-existing condition if we are older than if we are younger. In this case, it is important to know that most insurances will not cover this pathology or any other ailments that may arise from it.
To have the best advice, we recommend visiting and comparing at Acierto.com, where we will not only find you the best health insurance for people over 65 years of age, but we will also help you to hire it knowingly and assist you throughout the whole process. insurance life. Enter the comparator and look for your insurance; If you wish, you will receive a call from one of our expert agents, who will answer your questions and ensure that you get the option that most interests you. All at the best price guaranteed. Also, if after hiring you have any problem, we will always be by your side.
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How to find the best health insurance for people over 65?
If you are thinking of comparing health insurance at Acierto.com, it will be useful for you to know in advance the steps you must follow. In any case, it will not cost you: the whole process is very easy and intuitive. You only have to answer the questions that the comparator asks to be able to obtain your personalized comparison, adjusted to you. And they are these:
- Tell us how many people you want to include in the policy and on the next screen, indicate their gender and date of birth. The oldest year is 1938, so we have insurance for your age, if you are over 65 years old.
- Indicate the postal code in which you reside.
- Indicate your country of birth.
- If you already have health insurance, select the company with which you are insured.
- Choose on what date you want your insurance to start. If you don’t know, you can continue without indicating the date.
- Provide us with your contact information to send you your comparison so that you can retrieve it at any time.