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Over 50s Health Insurance – Complete Guide 2024

Over 50s health insurance policies have been designed to make private healthcare accessible and affordable for people aged 50 and over. In this guide, our team of health insurance experts explain how health insurance works for over 50s and which insurance companies can provide the best policies and benefits in 2024.

Based on our most recent market research, the UK’s best health insurance companies for over 50s are:

  1. AXA Health
  2. Bupa
  3. The Exeter
  4. Aviva
  5. Vitality

The right health insurance company for you will be based on your age and medical history, your budget, and the policy benefits that are most important to you.

Private health insurance has become more popular in recent years, due to issues with the NHS and increasing waiting lists for treatment. We appreciate that private health insurance might not appeal to everyone, and we hope that this guide will help you to decide if over 50s health insurance is a good choice for you.

A picture of a stopwatch

60-Second Summary – Over 50s Health Insurance Guide 2024

According to a recent survey by Age UK, one-third of people aged 50 – 59 felt that their health had gotten worse over the last year. Of all the people surveyed, less than half (48%) felt confident that the NHS would be able to help with their health concerns.

Private health insurance is a cheaper solution for over 50s who would prefer to have private healthcare but would find it too expensive to cover the full cost themselves.

  • Our team of health insurance experts have rated AXA Health as the UK’s #1 health insurance company for over 50s. This decision is based on AXA Health’s high quality policy benefits, fair pricing, and positive customer feedback.
  • Some of the main benefits over 50s health insurance are quicker access to diagnosis and treatment, extra perks like online GP services, and more control over your medical care.
  • The cost of health insurance for over 50s will vary based on things like your age, postcode, any medical conditions, and the level of cover that you need.
  • The easiest way to find the cheapest quotes for over 50s health insurance is by speaking to a health insurance specialist.

Over 50s health insurance policies provide access to private healthcare, including appointments with private GPs and specialists. Over 50s policies aren’t any different to standard health insurance, and they offer the same high level of protection.

It is becoming difficult to get fast medical advice and attention using only NHS services, which can be frustrating if you are worried about your symptoms. Private health insurance is a useful alternative, helping over 50s across the UK to access affordable and suitable private healthcare.

Health insurance can help in a variety of different situations, as shown in this short video which was released by Bupa.

Bupa | This is health 60′

For a more detailed explanation of how health insurance policies work, we cover this in our full Private Health Insurance Guide.

Many people in the UK now believe that private health insurance is something that is worth paying for. According to data from Statista, around 22% of people in the UK now have private health insurance, a 10% increase compared to only 5 years ago in 2019.

We’re all more likely to develop health issues as we get older, and especially after we reach age 50. Buying a private health insurance policy can offer peace of mind that you will receive faster diagnosis and treatment, without having to cover the full cost of private care yourself.

A recent article in The Guardian stated that more than 1.6 million UK adults over age 50 are unable to work due to long term health problems. This issue has become worse over recent years, because of the strain on the NHS caused by the Covid-19 pandemic.

Many private health insurance companies will offer extra benefits to their customers, such as online GP and prescription services. You could even access private physiotherapy and avoid long NHS waiting lists, for a faster return to work after an injury.

Every private health insurance company will have a set list of benefits that they will include in your health insurance policy. The specific benefits that are available to you will vary based on the insurance company and policy that you choose.

This is why it is so important to compare multiple policies and insurance companies, to make sure that you are 100% happy with your choice. Here are some of the key reasons why UK customers are now considering buying over 50s health insurance:

Top 5 reasons to buy over 50s health insurance

  1. Convenient and quick access to the medical care that you need
  2. Access to free services like online GP services
  3. Option to add on extra benefits like dental or optical cover
  4. More privacy when being treated in hospital
  5. More control over how, when and where you receive your medical treatment

Most over 50s health insurance policies will help to cover the cost of medical treatments such as:

For anyone who would like a higher level of cover, most insurance companies will allow you to add extra benefits to your policy like:

  • Dental cover
  • Physiotherapy and other additional therapies
  • Enhanced mental health cover
  • Overseas health cover
  • Optical cover

Remember, you don’t have to add any of these extra benefits unless you think they will be worth it for you. You should think about this carefully, as adding extra benefits will normally cause the price of your policy to increase.

If you need help with finding the best over 50s policies and prices, many consumers find it useful to ask for advice from a health insurance specialist.

What isn’t covered by over 50s health insurance?

While it is important to understand what you can claim for, it is just as important to be aware of anything that your health insurance company won’t pay for. These are known as policy ‘exclusions’, and the insurance company or your insurance advisor will explain these when you apply for your cover.

The main things that most health insurance companies won’t pay out for are:

  • Pre-existing medical conditions: You can’t claim for treatment for any medical condition that you had been diagnosed with or experienced symptoms of before you bought your policy.
  • Long term or ‘chronic’ medical conditions: These would be any medical conditions which require long term treatment. There can sometimes be exceptions to this (e.g. most insurance companies will pay out for ongoing cancer care, if you are diagnosed after buying your policy)
  • Cosmetic treatments: Many health insurance companies will refuse to pay out for cosmetic surgeries and treatments.
  • Dangerous sports and activities: Your insurance company may not pay out for treating injuries that have happened because of a dangerous hobby (e.g. skiing)
  • Alcohol or substance abuse: Some insurance companies will not pay out to treat any injuries or medical problems that have happened because of substance or drug abuse, or alcohol abuse.

This video from Bupa explains a bit more about how private health insurance (or ‘private medical insurance’) works and what generally isn’t covered.

Bupa health insurance | What is a general exclusion?

The ‘exclusions’ can be different for each health insurance company, and this video only highlights the exclusions for Bupa health insurance policies.

If you’re not sure what your policy covers, you should read through your policy documents carefully. If you buy your policy through an experienced insurance broker, they will be able to explain exactly how your policy works and when you can claim.

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Our customers often ask us ‘which is the best health insurance company for over 50s?’. The answer to this can vary depending on the person, but there are certain companies which are better suited to people over 50.

Our private health insurance experts recently compared the best quotes from the UK’s top private health insurance companies. The table below has been created to show the difference in pricing based on your age and the health insurance company that you apply to.

Health insurance company price comparison

Health insurance companyPrice of monthly premium (£s)Average policy cost for over 50s
Aviva logo Age 50 – £68.76
Age 60 – £96.28
Age 70 – £143.14
Age 80 – £196.52
£126.17 per month
AXA logoAge 50 – £72.56
Age 60 – £112.28
Age 70 – £175.44
£119.76 per month
Bupa logo Age 50 – £81.46
Age 60 – £107.53
Age 70 – £166.28
Age 80– £204.28
£139.88 per month
Health-on-line logoAge 50 – £74.99
Age 60 – £115.92
Age 70 – £181.08
£123.99 per month*
The Exeter logoAge 50 – £61.57
Age 60 – £87.92
Age 70 – £135.01
£94.83 per month
Vitality logoAge 50 – £66.85
Age 60 – £95.81
Age 70 – £150.65
£104.43 per month

Note: These quotes are based on a basic policy for someone with no pre-existing medical conditions. All quotes have been generated using a North-West England postcode and prices may vary in other areas of the UK. These quotes are accurate as of 13/03/2024.

*Health-on-line policies are exclusively sold by AXA Health, after AXA Health decided to shut down their separate Health-on-line brand.

Trustpilot logo

Trustpilot review scores (Health Insurance)

Our team of insurance experts have also checked the online reviews for each insurance company, on the independent customer review site Trustpilot. All these review scores are accurate as of 13/03/2024, but might change over time as more reviews are added.

Aviva – 4.0 out of 5.0 Stars (33,051 independent customer reviews)

AXA Health – 4.3 out of 5.0 Stars (10,431 independent customer reviews)

Bupa – 4.2 out of 5.0 Stars (22,818 independent customer reviews)

The Exeter – 4.1 out of 5.0 Stars (782 independent customer reviews)

Vitality – 4.2 out of 5.0 Stars (37,625 independent customer reviews)

Note: Several of these insurance companies also sell other insurance products like life insurance, income protection, and critical illness cover. The overall review score for these companies will include reviews for products other than health insurance.

Based on all our market research, the Top 5 health insurance companies for over 50s are:

AXA logo

1) AXA Health

Trustpilot score: 4.3 out of 5.0 Stars
Defaqto rating: 5 Stars

Our health insurance experts have rated AXA Health as the best over 50s health insurance company in the UK. This decision was based on AXA Health’s fair pricing, outstanding policy features, and consistently positive online reviews.

The average cost of AXA health insurance for over 50s is currently £119.17 per month, but the price that you pay could be higher or lower than this. The exact cost will be based on things like your age, medical history, and your postcode.

AXA Health allow you to claim for medical treatment in a wide range of UK private hospitals, with full details being found in their ‘Directory of Hospitals’.

AXA Health has been rated ‘Excellent’ by their customers on Trustpilot, with a review score of 4.3 out of 5.0 Stars. Their policies also include a range of top health insurance features, which work well for over 50s. This includes policy benefits like:

  • Comprehensive cancer cover, which provides access to the latest cancer drugs and treatments (includes the option for at home chemotherapy)
  • Members over 18 can self-refer for physiotherapy for muscle, bone, or joint pain
  • Up to £5,000 cover for prosthesis or wigs when undergoing cancer treatment
  • Unlimited cover for outpatient surgeries and specialist consultations
  • 40% off gym memberships with Nuffield Health and Hussle, as well as discounted access to Les Mills spas
  • Free 24/7 online GP access through their AXA Doctor at Hand service
  • £50 per night pay out if you need to stay overnight in an NHS hospital
  • Option to add on additional cover for mental health care, overseas travel, or extra therapies (10 sessions of acupuncture, osteopathy, or physiotherapy)
  • Can save up to 80% on the cost of your policy with your no claims discount (starts at 15% for 2 years without claims)

Note: AXA Health could not provide quotes for customers aged 80 and older. If you are aged 80 or over, either Bupa or Aviva might be a better option for your health insurance policy.

AXA Health Doctor at Hand Information Document – CLICK HERE

AXA Health Insurance Product Information Document (Health for You) – CLICK HERE

AXA Health Insurance Product Information Document (InSpire) – CLICK HERE

AXA Health Insurance Product Information Document (Personal Health) – CLICK HERE

Bupa logo

2) Bupa

Trustpilot score: 4.2 out of 5.0 Stars
Defaqto rating: 5 Stars

Bupa is one of the most popular companies for over 50s health insurance in the UK, as their policies work extremely well for people aged 50 and older. They can also provide policies for customers over age 80, which not all health insurance companies will.

The average cost of Bupa health insurance for over 50s is currently £139.88 per month, but this price will vary based on your own situation. Bupa is also highly rated by their customers on Trustpilot, being rated ‘Excellent’ with a review score of 4.2 out of 5.0 Stars.

Bupa gives you the choice of 3 hospital lists, to allow you to choose the level of cover that feels right for you. Even in Bupa’s lowest priced ‘Essentials’ list, you can claim for treatment in 265 private hospitals and clinics across the UK.

Some of the main reasons that over 50s will choose Bupa for their health insurance are:

  • Bupa Direct Access allows you to see a specialist immediately with no need for a referral from your own GP (if cancer is suspected)
  • No shareholders so all profits go straight back to improving products and services for Bupa members
  • Free cancer care with access to treatments and drugs before they are available on the NHS
  • Mental health cover is included as standard (you will usually pay extra with other companies)
  • Customer discount and rewards scheme can provide up to 40% off gym memberships, discounted dental care and 20% off Fitbit products
  • Option to add on full dental cover to cover the cost of routine dental care
  • No claims discount can help you to save up to 70% on your health insurance premiums (discount starts at 10% for 1 year without claims)
  • 24/7 health support from qualified nurses through their Bupa Blua app or the Bupa AnyTime HealthLine

Bupa can be more expensive than other insurance companies, but they do offer a wide range of excellent benefits. If you’re not sure if Bupa is right for you, you can speak to a health insurance specialist for further advice.

Bupa Insurance Product Information Document (Comprehensive) – CLICK HERE

Bupa Insurance Product Information Document (Treatment and Care) – CLICK HERE

The Exeter logo

3) The Exeter

Trustpilot score: 4.1 out of 5.0 Stars
Defaqto rating: 5 Stars

The Exeter has been ranked third for over 50s health insurance in the UK and our experts found them to be the cheapest option for over 50s health insurance on average. The average cost of The Exeter health insurance for over 50s is currently £94.83 per month, though the actual price of cover will vary from person to person.

The Exeter is usually the best choice for customers who have pre-existing medical conditions, as they are a specialist medical insurance company. The Exeter is also well-liked by their customers, with an ‘Excellent’ rating on Trustpilot and a review score of 4.1 out of 5.0 Stars.

The Exeter gives you the choice of 3 hospital lists for your policy, with even their low-cost ‘Essential’ list providing access to over 300 private hospitals.

Though The Exeter may not be as well-known as insurers like Bupa or Aviva, they provide brilliant health insurance policy features for over 50s such as:

  • Unlimited cover for in-patient and day patient hospital treatments
  • Covers the cost of up to 3 physiotherapy sessions following an operation
  • Free 24/7 access to remote GP services, private prescriptions and more through The Exeter HealthWise app
  • Option to add on extra benefits like enhanced outpatient cover, mental health cover, and cover for additional therapy with a specialist (e.g. chiropractor, acupuncturist)
  • Individual no claims discounts, so if your policy includes cover for your partner or children, any claims made by you wouldn’t affect their discount
  • All The Exeter customers automatically become The Exeter members and can have their say in changes to the business

Note: The Exeter may not be able to provide policies to customers aged 80 and older. If you are over 80, some of the best options for health insurance include Bupa and Aviva.

The Exeter Health+ Insurance Product Information Document – CLICK HERE

Aviva logo

4) Aviva

Trustpilot score: 4.0 out of 5.0 Stars
Defaqto rating: 5 Stars

Aviva is a household name for most people in the UK and is a top choice for health insurance for people over 50. They offer a wide range of great policy features for over 50s and they even offer cover for over 80s, which isn’t the case for all insurers.

Though exact prices can vary, the average cost of Aviva health insurance for over 50s is around £126.17 per month. Aviva is also very popular with their customers, being rated ‘Excellent’ on Trustpilot with a review score of 4.0 out of 5.0 Stars.

There are 4 hospital lists that Aviva customers can choose from, with their ‘Key’ list covering treatment costs in over 200 private UK hospitals. Their ‘Trust’ list is a lower-cost option, which is useful for people with a tighter budget. This list only covers treatment costs for treatment in private patient units within NHS Trust hospitals.

Aviva provides some brilliant policy benefits for their over 50s health insurance customers such as:

  • 24-hour stress counselling and support through the Aviva Wellbeing services
  • ‘Get Active’ discount scheme provides gym discounts in over 3,000 UK health and fitness clubs
  • Extensive cancer care is included as standard to support you through a cancer diagnosis
  • Option to add on protected no claims discount, so any future claims won’t affect your current discount
  • Discounts for adding your partner or children to your plan
  • Option to add on extra benefits like dental and optical cover, boosted mental health support and sessions with specialists (up to 10 sessions with a chiropractor, physiotherapist, or acupuncturist)
  • Can tailor your policy to suit your budget and the level of cover that you need

While Aviva is a great choice for over 50s health cover, you should consider all your options before choosing your health insurance company.

Aviva Healthier Solutions Terms and Conditions – CLICK HERE

Vitality logo

5) Vitality

Trustpilot score: 4.0 out of 5.0 Stars
Defaqto rating: 5 Stars

Vitality works in a very different way to most other insurance companies, offering extra rewards and benefits to customers who have a healthy lifestyle. If you enjoy exercising or want to improve your health, Vitality might be the right choice for your over 50s health insurance.

Vitality is also one of the lowest priced health insurance companies on the market. The average cost of Vitality health insurance for over 50s is around £104.43 per month. They are also highly recommended by their customers, with an ‘Excellent’ rating on Trustpilot with a review score of 4.2 out of 5.0 Stars.

There are 4 hospitals lists for Vitality customers to choose from, with their ‘Consultant Select’ list being the most cost-effective option. Some of the most popular features of Vitality over 50s health insurance are:

  • Full cover for in-patient and day patient hospital and consultant fees
  • £250 per night payment if you need to stay overnight in an NHS hospital
  • £125 payment per day for day patient NHS medical care
  • Advanced cancer covers included as standard, which includes cover for biological therapies
  •  Pays out up to £100 per year towards the cost of private prescriptions
  • Covers the cost of up to 8 sessions of cognitive behavioural support (CBT) or counselling per year
  • Provides cover for specific weight loss, corrective, and oral surgeries
  • Significant discount on smart watches (most popular current discount is for the Apple Series 9 smart watch)

Vitality policies can work brilliantly for some customers, but they won’t be the right choice for everyone. For more advice about how Vitality health insurance and Vitality rewards work, you should speak to a health insurance expert.

Vitality Personal Healthcare Insurance Product Information Document – CLICK HERE

Note: If you are over age 80, Vitality may not be able to offer health insurance cover. You should consider other insurance companies like Bupa or Aviva if this applies to you.

Health Insurance provider reviews

The cost of health insurance will be slightly higher for over 50s, in the same way that policies like life insurance or travel insurance will also be more expensive. Based on our most recent market research, the average cost of health insurance for over 50s is currently £119.71 per month.

While prices can be higher for over 50s, there are some simple ways to make your policy more affordable.

How can I get cheaper over 50s health insurance?

Our main suggestions to finding the best and cheapest over 50s health insurance prices are:

  • Compare policies: Checking prices with multiple insurance companies can sometimes reveal one or two that will charge much lower prices for the cover that you need.
  • Pay more excess: Your policy excess is the amount that you agree to pay towards any claim that you make. If you agree to pay more, this can help to reduce the cost of your cover. You should only agree to an excess amount that will be affordable for you.
  • Buy less cover: A more basic policy can still provide decent protection for a lower price. This can be useful if you have a lower budget and are comfortable with having less cover.
  • Don’t add extra benefits: Most companies will offer extra benefits that you can add on for an additional cost (e.g. dental cover). Choosing not to add these will make your policy cheaper.
  • Talk to an expert: The simplest way to save money on over 50s health insurance is by applying with the help of a health insurance specialist.
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Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

Ultimately, the ‘right’ amount of health insurance cover will be different for every person. You should buy the level of cover that feels appropriate for you and your ideal budget. It is best to consider:

  • The potential cost of future medical treatments
  • How much excess you can afford to pay per claim
  • If you realistically need to add on extra benefits such as dental cover
  • Are you only protecting yourself, or do you want cover for your partner or family too?
  • What benefits does your chosen insurance company include in their standard policies?
  • What are you most concerned about protecting yourself against? (e.g. a future cancer diagnosis if you have a family history of cancer)

If you’re not sure of how much cover you need, you might find it useful to speak to a health insurance specialist for advice.

Can I get over 50s health insurance if I am retired?

There is nothing stopping over 50s who are retired from buying private health insurance. In fact, it can be more worth it for people who are retired, as the cost of private healthcare could be too expensive without insurance.

Your health insurance budget might be slightly tighter if you are retired, compared to someone with a higher income. The best approach to finding a budget friendly policy will be to apply with the help of an experienced health insurance specialist.

What is the over-50s insurance plan?

While over 50s life insurance is its own distinct policy, over 50s health insurance works in pretty much the same way as health insurance for someone of any age.

You will be able to access the same top-quality benefits that are available to younger customers who have bought policies with the same insurance company. The main difference is that the price can be higher, but it is still possible to find fairly priced cover.


Am I covered for pre-existing medical conditions?

Health insurance companies generally won’t pay out for the treatment of any medical condition that you had before buying your policy. In most cases, you can still buy health insurance if you have a pre-existing condition, you just won’t be able to claim for it.

Health insurance is designed to cover the cost of treating any new medical conditions, alongside any NHS treatment that you might need for a pre-existing condition.

Health insurance is meant to complement NHS care and hasn’t been designed to completely replace it. Our insurance experts explain all of this in more detail in our full guide Health Insurance for Pre-Existing Conditions.

The simplest way to find the UK’s best over 50s health insurance quotes is by speaking to an experienced health insurance specialist. This can be even more important if you have medical conditions, or if you’ve never applied before and you’re not sure what to do.

You can contact our friendly experts for free over 50s health insurance advice on 0800 009 6559 or CLICK HERE to fill in our online form.

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What is the average cost of health insurance UK?

One of the top questions that people ask about health insurance is, ‘how much does it cost on average per month?’. According to recent research taken in 2023, the average cost of a health insurance is £86 per month for a standard personal protection policy. Health insurance policies can vary dramatically based on your age and the type of cover that you need, as well as which insurance provider you choose.

Most core health insurance policies will provide a similar level of protection and coverage for private medical treatments. You can tailor your health insurance policy to suit your needs and your budget by changing the benefits and levels of cover that you receive.

Is health insurance worth it?

Health insurance is the same as most other personal protection policies that you can buy, it is down to your own personal preference and attitude to risk. The other major issue is whether you can afford to pay for health insurance every month because it can be expensive.

If you ever need to claim on your health insurance policy then the benefits can be life changing and even lifesaving. The medical treatments and care that is provided by the NHS in the UK is among the best in the world, especially for chronic illness. Unfortunately, it is a well-known fact that the NHS is struggling to meet demand and that the levels of private medical treatment are generally far superior to public health treatments.

Example: If you needed knee surgery then you would have to wait for months or even years on the NHS, whereas private health insurance will give you access to better treatment, leading specialists, and within weeks usually. Rehabilitation and therapies cover that are also provided by most health insurance policies can be invaluable, especially if you are self-employed for example.

Is private health insurance better than the NHS?

Currently, the biggest issue with the NHS is the waiting times for any consultations and access to treatments, because of how stretched its resources are. The NHS provides some of the best care in the world for chronic illnesses and diseases, such as diabetes, MS, epilepsy, and asthma.

Health insurance is designed to complement and support the treatment that you can receive on the National Health Service, as well as giving you access to specialists for other medical issues such as musculoskeletal issues and cancer treatment, which are also the top reasons for claims on health insurance cover.

The main issues with NHS treatment currently and reasons for people taking out health insurance:

  • Long waiting lists for consultations, results and treatment
  • Overcrowded hospitals
  • Lack of beds
  • Shortages of NHS nurses and doctors
  • Some treatments not available (especially cancer treatments)
  • Specialists only available on private health insurance
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What is the best health insurance UK?

There are lots of different policy options when considering health insurance as well as your choice of several main insurance providers. The other consideration is whether you don’t take out health insurance and opt for receiving treatment on the NHS or paying for treatment yourself as and when you need it.

We’re constantly reviewing the top health insurance companies in the UK to find out which provide the best service, value, products and treatments. Based on our most recent reviews we suggest the following as the best health insurance UK 2023:

  1. Aviva Healthcare Solutions (Trustpilot score: 4.1 out of 5.0)
  2. BUPA Health Insurance (Trustpilot score: 4.0 out of 5.0)
  3. Vitality Personal Healthcare (Trustpilot score: 3.9 out of 5.0)
  4. Exeter Health+ (Trustpilot score: 4.4 out of 5.0)
  5. AXA PPP (Trustpilot score: 4.1 out of 5.0)
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Best Private Health Insurance 2023 - iam|INSURED

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We are dedicated to providing the best outcomes that we can and access to the best insurance solutions in the way that our customers want or need. We understand that everyone is totally unique in how they want things done and their own individual circumstances, which is where our totally unique approach to financial protection is driven from.

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Our Mission: To provide easy access to fair pricing, affordable protection and the very best financial security to families and individuals. We are dedicated to offering comprehensive insurance solutions that safeguard the well-being of our policyholders. Guided by integrity, transparency, and a commitment to excellence, we strive to empower consumers and families to face the future with confidence. Our mission is not just about policies; it's about protecting dreams, ensuring legacies, and being a trusted partner on life's journey.

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