Pensioner Cover Private Health Insurance

Choosing private health insurance after retirement raises different questions. Whether you are switching from a former employer scheme or arranging cover for the first time, plans can be tailored to your age and health. Compare quotes from UK insurers who underwrite individual policies for those in retirement, up to age 90.

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How It Works

Getting insurance quotes is simple. Here's how the process works.

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Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

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A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

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What To Consider In Retirement

Key points when arranging individual private medical cover after working life

Switching From Work Cover

Leaving an employer scheme often means losing private cover. Some insurers offer continuation options that can preserve cover for conditions already known about, but terms vary. A broker can compare individual policies and explain how underwriting will apply.

Individual Underwriting

Quotes for pensioners are tailored to your age and medical history. Each insurer has its own approach, so comparing several is sensible. Cover is available from leading UK providers up to age 90, subject to acceptance and standard underwriting terms.

What Is Typically Excluded

Pre-existing and chronic conditions are usually excluded from individual policies, along with routine and preventative care. New conditions diagnosed after your policy starts can normally be claimed for, giving meaningful protection during retirement years.