From shorter diagnosis times to better levels of care, health insurance gives great benefits to everyone, at all ages, and health insurance for over 65's is no exception. Even though life expectancy is increasing in the UK, it is still important to stay fit and healthy in your older years, it’s also equally important to have good healthcare cover – should you ever need it. We’re lucky in the UK to have the NHS; however, as population increases, so do waiting times, and treatment access is becoming limited. With private health care, you’ll be making the positive step of putting your health first and giving yourself extra peace of mind.
With top quality facilities, including en-suite rooms, better food and a higher staff to patient ratio, it makes sense to take into consideration acquiring private health care. Some other benefits include being able to choose where you’d like to be treated; there are 600 hospitals nationwide that you can choose to be staying in. Patients with health insurance cover are able to request tests, such as; blood tests, ultrasounds and x-rays, as well as MRI’S, CT and PET scans.
With it being more likely that older people will have pre-existing medical conditions, it can mean that health insurance coverage can be more expensive and can be more difficult to find in general. Don’t fret – we’re here to help you find the best policy, for the best price. There’s a health insurance policy out there for everyone, but if you’re thinking of saving money, here are a few ways you can decrease the cost of your premium:
- Insurers often offer a hospital list, which covers hospitals in the UK that you’re able to be treated at. You can usually increase or reduce this list. By reducing the list, you can often reduce the price of your policy.
- Like car insurance, by increasing your access, you can bring your premium down slightly. By paying annually, it can help bring the cost down overall, paying monthly often comes with interest; meaning you’ll pay more for your health insurance.
- Smoking can increase your policy price as it can mean you’re more likely going to need treatment for possible long-term health conditions. To be considered a non-smoker, you’ll have to be 12months nicotine free; this includes the use of E-cigarettes. By quitting smoking, not only will you reduce health risks, but you’ll be able to save more money which you can put towards your health insurance costs or towards something else you enjoy.
