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Health Insurance Over 55
Quality Senior Health Insurance • Special Rates for 55+ • Save €3,000+ Annually •
Premium Medical Coverage • Perfect for Senior Citizens
Quality coverage for 55+ • Special senior rates • Save €3,000+ annually • Premium medical benefits • 100% free comparison
Specialized coverage
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Verified Health Insurance 55+ Comparison
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Private Health Insurance for Over 55s - Special Considerations
Coverage Benefits
- No waiting periods: Immediate access to treatments
- Premium healthcare: Private rooms, specialist access
- Comprehensive coverage: Dental, vision, alternative medicine
- International coverage: Treatment abroad included
- No age discrimination: Coverage regardless of age
Important Considerations
- Higher premiums: Age-based pricing increases costs
- Health questions: Medical history affects acceptance
- Pre-existing conditions: May require waiting periods or exclusions
- Premium increases: Regular adjustments for medical inflation
- Return restrictions: Difficult to return to statutory insurance
Cost Examples for Over 55s
Age 55-60
Basic coverage
€450-650/month
Age 60-65
Comprehensive coverage
€600-900/month
Age 65+
Premium plus coverage
€700-1,200/month
Health Questions & Medical Examinations
Common Health Questions
- • Chronic conditions (diabetes, hypertension)
- • Heart and cardiovascular diseases
- • Cancer history and treatment
- • Mental health conditions
- • Previous surgeries and hospitalizations
- • Current medications and treatments
Medical Examinations
- • Blood tests and urine analysis
- • ECG and blood pressure measurements
- • Physical examination by insurance doctor
- • Additional tests based on health history
- • Medical records review from treating physicians
- • Results determine acceptance and premiums
Alternatives if Private Insurance is Declined
Statutory Health Insurance
If you have been employed recently or receive a pension, you may be eligible to return to statutory insurance with voluntary membership.
Private Health Insurance Pool (Basistarif)
If rejected by private insurers, you can access basic coverage through the industry pool at statutory insurance contribution rates.
International Health Insurance
Consider international insurers who may have different acceptance criteria for senior coverage, especially if you travel frequently.
Tips for Over 55s
Before Applying
- • Get comprehensive health check-up
- • Collect all medical records and reports
- • Compare multiple insurers and tariffs
- • Consider anonymous pre-screening
- • Plan financially for higher premiums
Policy Management
- • Budget for annual premium increases
- • Maintain aging reserves if possible
- • Review deductible options to reduce costs
- • Consider supplementary insurance for gaps
- • Plan long-term care insurance separately
Frequently Asked Questions
Can I get private health insurance after age 55?
Yes, but acceptance depends on your health status. Many insurers have age limits (typically 65), and premiums are significantly higher. A thorough medical examination is usually required.
What if I have pre-existing conditions?
Pre-existing conditions may result in exclusions, waiting periods, or premium surcharges. Some conditions might lead to complete rejection. Consider getting quotes from multiple insurers.
How much will my premiums increase over time?
Expect annual increases of 3-8% due to medical inflation and aging. Some insurers offer aging reserves to help stabilize premiums in later years.
Should I switch from statutory to private insurance at my age?
This decision requires careful consideration. While private insurance offers better services, the costs are much higher for seniors. Consult with an independent insurance advisor for personalized analysis.