Over 50s healthcare cover

Stephen & Mary are a relatively healthy couple in their mid 50’s. Stephen has recently retired from his position as a director of a small engineering company where he received private medical insurance for himself and Mary. 

Mary does suffer from diabetes however, this is controlled with medication and regular check-ups with her GP. Both Stephen & Mary are looking for affordable cover and are happy to compromise benefits to help keep the cost of cover down.

Long term affordability for most people is a key requirement and being flexible with benefits is certainly important should cost be an issue. Although Mary has a ‘pre-existing’ medical condition with her diabetes this would appear not to be too much of an issue as it is monitored by her GP.

Additionally, diabetes could potentially be classed as a ‘Chronic’ medical condition and no cover would be available for this. Our recommendation would be a policy with BUPA. The over 50s medical insurance policy offers a reasonable level of out-patient cover albeit subject to a monetary limit, however, cover for in-patient treatment would be covered fully subject to BUPA’s rules and benefits.

Are you over 50 and looking for health care cover? If you are, get in touch with our over 50s medical insurance advisors for free today on 0800 083 0706.