Is there a maximum age limit for private medical insurance?

Health Insurance Age Restrictions

Some companies have a maximum age limit for new policyholders while other companies allow you to take out cover at any age. Those companies that have a maximum age limit typically set this limit at somewhere between 65 and 80 years of age. However, with more and more fit and healthy people working into their 60s and 70s, many companies have removed the upper age limit from their PMI cover.

Don’t assume that you won’t get PMI cover just because you are a certain age. The Financial Times reports that ‘most of the leading issuers have no upper age limit for starting a new policy and will continue to insure you for as long as you require.’

Of course, your private medical insurance is likely to cost you a little bit more if you are older. The Association of British Insurers says that if you are aged 45 you will pay 25 per cent more than if you were 35. Similarly, if you are 65 your policy will cost around double the amount than if you were aged 45.

If you are over the age of 50, you may want to consider a provider that offers a special ‘over 50s health insurance’ policy. These contracts are designed specifically for you if you are over the age of 50 and looking for great quality private medical insurance.

To find the right policy for you it can pay to seek independent advice – and Briggs & Butler can provide this. When you complete the form on our site, we’ll connect you to an impartial, FSA registered broker who can compare private health insurance – whatever your age. In addition, they can compare the costs of PMI to find a policy that is affordable to you. Get a quote today.

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