Why do some people choose to buy health insurance? 

No matter what their age is, some people take out private health insurance for the peace of mind of knowing they can get fast access to medical care if they need it. Some of the other reasons to choose health insurance include:

• Access to an online private GP service.
• Having the flexibility to fit specialist appointments and treatment around family life, education and work commitments.
• Having a choice of specialist or hospital. You can often choose a specialist or hospital, although some plans may have rules about which hospitals or specialists you can use.

Find out more in our guide: Do I need health insurance?

Is there a cut off age for buying private health insurance? 

Some insurers may have an upper age limit for new members. It’s best to check with the insurer as the upper age limit will vary between insurers.

If you’re an existing customer, most insurers will carry on covering you when you reach the upper age limit, as long as you keep paying your premiums. Again, it’s a good idea to check how this works with your insurer.

What do I need to consider if I’m taking out health insurance and I’m over 50?

What does it cost?

The cost of private health insurance is likely to go up as you get older. Although cost will be an important factor when you’re comparing health insurance quotes, it’s not the only thing to consider. Look at what’s covered and what’s not covered and check for any restrictions on the conditions and treatments you’re covered for. Make sure you know which hospitals and specialists you can use.

Are there any age limits?

Check if there’s an upper age limit and if it includes existing members or just new members. Your insurer will be able to tell you what happens when you reach the upper age limit.

Do you have any pre-existing conditions?

Health insurance is designed to cover new conditions. If you have symptoms already – whether you’ve seen a doctor or not – your health insurance won’t usually cover these.

Do you have any chronic health conditions?

Most health insurers won’t cover long-term treatment of chronic conditions. These are conditions that need long-term treatment or monitoring, have no known cure, or are likely to come back.

Can I tailor my health insurance to my needs?

Some health insurance plans offer different options that mean you can tailor your plan as your needs change.

If you have an AXA Health Plan, you can usually choose to add cover for:

• Cancer care
• Inpatient and day patient care
• Outpatient diagnosis and care
• Mental health care
• Dental and optical treatment (this is a cashback option, which means you get money back towards treatment you’ve paid for).

Check what additional benefits you get

As well as covering treatment, you may get additional services with your health insurance to support your health and wellbeing. These will vary between health insurers

With an AXA Health Plan, you’ll get:

• A 24/7 health support line for any health information you need*
• Access to our online GP service – with appointments available around the clock.
  
  

^{*The 24/7 Health support line cannot respond to emergencies. If you require an urgent response or have a medical emergency please call 111/999 or attend A&E.}