When you reach the age of 65 there is no reason for your healthcare insurance to cease, even if you have never had a policy, the market is still open to accepting members aged 65 or over.It is a fact that your healthcare insurance will increase in price as you get older as age is a risk factor for the insurance companies to consider along with where you live, your medical history and medical inflation.

It is also true however that there are private medical insurance companies who reward their members for living healthy lifestyles by way of providing cash back or no-claims discounts. Even though you are getting older, you can still benefit from all of these offers without any additional exclusions or queries because of your age.

Another thing to consider is worldwide travel insurance which is sometimes provided as an add on to private medical insurance at a nominal cost, then for as long as you have your private medical insurance cover in place, you know that your travel requirements are taken care of without having to go through a lengthy medical screening process as is often required when purchasing travel cover separately.

Some providers will also offer you discount on health screening/ assessments if you have their healthcare insurance which as you get older can be a valuable tool in preventative care.

So please, don’t just remain with your current insurer because you think you have no alternatives, speak to one of our healthcare experts who will be more than happy to let you know the options available to you. Everyone is different and everyone has a different opinion on what is important to them in a private medical insurance policy.

We look at all of our clients on an individual basis and we are not affiliated with any specific insurance provider so you can be confident that we provide you with impartial advice to help you make an informed decision regardless of how old you are.

Some providers will also offer you discount on health screening/ assessments if you have their healthcare insurance which as you get older can be a valuable tool in preventative care.

*BUPA offer a specific Health Assessment designed for those over the age of 65 which gives you a picture of your health in later life. The total duration of the test is 120 minutes with up to 60 minutes with a doctor and 60 minutes with a Health Advisor.

This assessment looks at your lifestyle, your mental health, your body composition, your heart and lungs, provides many blood and urine tests looking for indicators of Diabetes, Anaemia, Cholesterol (just a few examples), Bowel health and hearing tests.

*Source, BUPA.co.uk (February 2016)

By obtaining early diagnosis which in turn should ensure early treatment, you have the peace of mind that should there be any underlying illness these assessments should assist in early detection.

Within Vitality Health’s Private Medical Insurance plans they offer many rewards and discounts which may be of genuine interest such as half price health screens, 50% off of Virgin Active gym membership, bonus Nectar Points for healthy food shopping, discounts on British Airways flights and Eurostar tickets, cash back at Lloyds pharmacy and non-smokers cash back. All of these additional benefits can contribute to helping you save money whilst your health insurance cover in place with them.