Over 50’s Health Insurance
Choosing to opt for a private health insurance policy in your fifties and beyond can help you better maintain your health and well-being. Not having to wait for an appointment and being able to diagnose quickly any medical issues, can allow you to focus more on what’s important in life – work, family and recreation.
Finding the best health insurance policy
Your health and peace of mind are invaluable assets, and we are dedicated to helping you navigate the world of health insurance with confidence. As your trusted health insurance broker, we are committed to simplifying the process and ensuring you have access to the right over 50s health insurance plan that suits your individual requirements.
With a wealth of experience in the insurance industry, we have established ourselves as a reputable broker, which is why our clients stay with us year after year. They know they are getting the best service, whether they are comparing providers like AXA Health or looking for tailored coverage options. That’s why we have multiple Gold and Platinum Trusted Awards—because we truly put our clients first, ensuring you get the best cover for your needs at the best possible price.
Private healthcare tailored to your needs
The market for private health insurance for the over-fifties is extremely competitive and this can cause problems when trying to find the right policy for you. With many insurers and brokers hell bent on trying to win your custom, you can easily feel overwhelmed and confused about who really has your best interests at heart.
A good broker who genuinely wants to find the right cover for you will provide you with a tailored package that aligns with your specific health requirements, rather than going for a standard off-the-shelf policy.
Speak to your Clarity Health Insurance adviser to discuss what you need to get out of your healthcare coverage and we will use our expertise to find the right provider and policy for you. Remember, even after talking to one of our advisers, there is no obligation on you to take out a policy with us.
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Unbiased comparison service
Unlike some private health insurance brokers, Clarity Health Insurance provide a truly unbiased and independent service with one goal in mind – to help empower our clients to make an informed decision on their private health insurance options.
Our team of advisers are all experts in private health insurance, with in-depth knowledge of each of the providers available and the policies they offer. Their experience and attention to detail allow them to quickly identify which provider may be best suited to you.
Whether you are choosing based on the price, the comprehensiveness of the coverage, or the optional extras available, they will be able to guide you towards the right policy for you. And, in the end, the decision on which policy to go for will always be left to you to make.
Additional benefits for over 50’s
Many private healthcare providers will include a variety of different benefits as part of their coverage. You can choose a package that provides you with free or discounted gym access. Other policies may give you discounts on sports equipment, ideal if you have an expensive hobby as part of your fitness regime.
You can also get discounts on fitness technology such as specialist smart watches. Ask your Clarity Health Insurance adviser what additional benefits are included in the private health insurance policies available to you.
Monitor your health with specialist apps
Some private health insurance providers, such as Vitality, have created their own health tracker apps for you to download to your smartphone. This gives you an opportunity to monitor your health by recording your physical activity across a week. The information collected by the app can also be used to demonstrate to a health insurance provider that you are taking care of your health.
This data can then be used to calculate and lower the cost of your renewal premiums when your policy comes to an end. This can be a great incentive to exercise and maintain a healthy lifestyle across the term of your policy.
Pre-existing medical conditions
If you have any pre-existing medical conditions, you can still be approved for a private health insurance policy. However, there may be exclusions added based on the condition. Most private healthcare providers will not cover any condition where you have had symptoms, diagnoses and treatments for prior to your application.
Each individual healthcare provider has their own exclusions and terms so it’s worth speaking to an adviser about the specifics regarding your situation. Discuss with your Clarity Health Insurance adviser to get unbiased advice on your options and see if you can find a policy that provides the protection you need.
Cover for your family
In addition to finding private health insurance for yourself, many of the providers we work with are also able to provide health insurance for family members as well. Most policies allow you to add your partner and children so that all your loved ones are covered; in some instances, every dependent after the first child can be added to your policy for free, so you only need to pay for one of your children to join.
In some instances it may be better for you partner or child to have their own private health insurance package, so that they get the comprehensive cover and protection they need. Consult with your adviser if you would like to take advantage of a benefit like this and they will be happy to help find the best package and price for the coverage.
Time-saving assistance when making a claim
Making a claim can be a time-consuming and somewhat difficult process for those without experience. That’s why Clarity Health Insurance provide a free claims assistance service for both our clients and those who took out policies either directly or with another broker.
As part of this service, we can inform you of the best point of contact to make a claim, advise you on which documents you will need to collect to support your claim, and provide assistance if there are any disputes on a claim you have made. We can even make the claim for you on your behalf, should you not have the time, energy or health to go through the process yourself.
Find a policy with extra protection
If you are considering a private health insurance package but would like some additional protection, there are several types of policy that you may wish to investigate before making a decision.
As well as looking after your physical health, some providers will also offer mental health insurance as an option. This can help you quickly get support and treatment for a whole host of different mental health issues.
If you are physically active and want to ensure that, if you do become injured, that you are able to get rehabilitated quickly, then you should look at an option that includes physiotherapy coverage. As well as standard treatment options, some also provide you with additional options such as chiropractic services and acupuncture, to name a few.
No one likes to think about cancer, but it may give you added peace of mind knowing that, if the worst were to happen, then you will be able to find the specialist treatment you need to treat the disease.
Whatever health concerns you have or protection you think you may need, speak with your Clarity Health Insurance adviser. They will give you the advice you need to choose the right package for you.