Health Insurance for Over 65s UK

UK health insurance for over-65s typically costs £200–£400/month for a healthy 67-year-old. New applicants face moratorium exclusions; existing policyholders should prioritise continuity. The Exeter, Aviva and Bupa are the most placed providers.

• After 65, healthcare needs accelerate: joint replacements, cardiac interventions, cancer surveillance. NHS waits for these specialties often exceed 20 weeks. PMI gets you treated in days to weeks.
• Switching insurers after 65 is usually a bad idea: new underwriting excludes pre-existing conditions, and some insurers don't accept new applicants over 65 or 70. Hold onto your existing policy.
• If you're buying for the first time at 65, expect significant exclusions under moratorium underwriting. Full medical underwriting may be offered but often results in loaded premiums or permanent exclusions.

PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 07515 703307, or email contact@premierpmi.co.uk.