Everyone has different priorities when it comes to their healthcare. People over the age of fifty in particular have different concerns and preferences concerning how they would like to be treated than someone in their twenties for example. While younger people may get a quote for private health insurance because they want to return to full health as quickly as possible, visiting times and arrangements as well as general comfort might be more important to an older person. New research carried out by Saga Health has found that 9 in 10 of over fifties would be comfortable or very comfortable with having visitors in a private healthcare room whereas only a third of them said the same about NHS facilities. Although having visitors may seem like a small thing to some people, others may consider their family with a bigger importance and could be the deciding factor into whether or not they get a quote for private medical insurance. The survey also found that over fifties would be happier for their grandchildren to visit them in a private hospital.


There are a number of benefits to having a private health insurance, the most common being quicker waiting times and being able to be treated where and when you like. However there are some advantages that may not be immediately obvious. Small factors like free car parking and unlimited visiting hours can make a big difference to some people. Some people may also find the thought of being treated on a large, sometimes mixed sex ward very intimidating, but through private healthcare you will be able to have your own room and retain some of your privacy. Little luxuries like having your own TV are sometimes not the first thing on your mind but being comfortable in your surroundings could be the first step to making a quicker recovery.

Health insurance provides peace of mind. We can relax in the knowledge that if anything unexpected happens to us we will be taken care of. This becomes even more important as we get older.

Can I still take out cover if I am 75?

Yes. If you are new to Freedom Healthnet Ltd you will be offered health insurance as long as you are 75 or under. However, once you are with us you will continue to have cover until such time as you decide you no longer want it. Other companies have much more restrictive policies and some will not even provide medical insurance for people of 64.

Will I need a medical?

No, you will not need to have a medical to take out health insurance with Freedom. However, depending on your age you will have a different type of cover:

60 - 65 years old. If you are in this age range you can take out what is known as a moratorium insurance policy. This means that you will only need to give brief medical and family history details when you first sign up. Only if you make a claim will you need to go into details. With this type of policy any medical condition which you have have 5 years prior to your application will not be covered for two years under your new policy.

66-75 years old. If you are in this age group you will need full medical underwriting. This involves filling out a detailed medical questionnaire which looks into your health and details of your families medical history. The advantages of this type of policy is that you will know in advance exactly what you will and will not be covered for.

How much will it cost?

Gold Inpatient Only Medical Insurance
Age 60: £63.02

Platinum Inpatient Only Medical Insurance
Age 60: £64.90

Diamond Plus No Options Medical Insurance
Age 60: £87.30

You can obtain an online quote or talk to an advisor on: 0800 999 2013

Why take out health insurance cover?

As always with Freedom Healthnet medical insurance you know you have choices. If you do fall ill we pay you directly. This means that you can choose how you spend your money. You could opt for using the NHS and then treating yourself to something else with the money.

As we've already mentioned, medical health insurance gives you the peace of mind that you can be treated quickly in clean and pleasant surroundings in private healthcare if that is your choice.

Another important point is that as you get older it could be possible that the NHS will drag their feet when it comes to treating you. If you have medical insurance you will always be entitled to treatment however the NHS have limited funds and they sometimes have to make difficult decisions about when and who they treat.