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.