Premiums can rise after 60, but smart choices keep coverage robust without overpaying. Residents in Cosham, Old Portsmouth and Eastney can configure plans around the benefits they use most.
Keep these benefits
- Cancer care with full drugs and radiotherapy pathways
- Outpatient diagnostics; fast scans prevent long disruptions
- Cardiac and stroke rehabilitation; crucial in this age bracket
- Virtual GP with prescription delivery; saves trips
Consider trimming
- Nationwide hospital lists; stick to Portsmouth, Havant, Southampton to cut cost
- High dental and optical limits if you already have a dental plan
- Adventure sports cover if not required
Price controls that work
- Annual excess of £250 – £500, balance affordability and claims
- 6 week NHS wait option, significant saving while preserving speed for long waits
- No-claims discounts, pay small bills yourself if keeping the discount is worth more
Local pathways
- QA Hospital Private Patient Unit (near Cosham) for consultant follow-ups
- Spire Portsmouth (Havant Road) for orthopaedics; cataracts; GI
- Community physio and cardiac rehab links for Old Portsmouth residents
FAQ
Will pre-existing conditions be covered?
Often excluded initially, look for moratorium underwriting or switch terms if you have existing cover.
Can I pay annually to save?
Many insurers offer small annual payment discounts.