Compare Medical Plans has helped 2000 customers just like you in the last 7 days.
Our Process
We know that once you’re in your 40s, your approach to health often shifts. You might be thinking more about prevention, staying active, and protecting your future. That’s why we’ve made finding health insurance quick, simple, and stress-free.
1. Complete one easy form
Tell us a few key details so we can understand your health goals and personal situation.
2. Compare your best-fit options
A friendly expert from one of our trusted UK partners will guide you through plans tailored to your lifestyle, family needs, and budget.
3. You decide what’s right
Review your personalised options and choose with confidence. Our service is 100% free, with no pressure to commit.
Why Consider Health Insurance in Your 40s?
From your 40s onwards, it’s natural to think more seriously about your health. Whether that’s protecting against unexpected illnesses, keeping up with preventative screenings, or ensuring you can be seen quickly if something crops up — private health insurance offers speed, choice, and comfort. With NHS waiting times higher than ever, it’s about taking control now so you can feel confident about the years ahead.
Finding the Best Health Insurance for Over 40s
The right policy depends on your lifestyle, current health, and budget. Whether you’re looking for family cover, flexibility, or enhanced hospital options, we connect you with insurers who can tailor a plan to you — with no obligation to commit.
Why People Choose Us
Free Service, No Pressure
Health insurance after 40 doesn’t need to be complicated. We’ll show you your options clearly, without hidden fees or hard-sell tactics.
Smart Matching for the Over 40s
We focus on what matters to you — from flexibility to family coverage — and match you with a reputable UK insurer whose policies suit your lifestyle.
Cover That Evolves With You
Your needs may change over time. We help you choose a policy that can adapt, so you can feel confident you’re covered now and in the years ahead.
Approximately 7.42 million people in England are on NHS waiting lists, which is why many families choose private cover for quicker care.
Source: NHS England (2025)
Benefits of Private Health Insurance for Over 40s
Private Medical Insurance (PMI) helps you take a proactive approach to your health — ideal for staying ahead of potential concerns, managing existing issues, and avoiding the uncertainty of NHS delays.
- Faster access to treatment.
- Online GP appointments included with many plans.
- Greater comfort and privacy during treatment.
- Freedom to choose your consultant and hospital.
- More control over appointment times and treatment options.
No matter where you are in the UK, we can help!
We work with highly experienced partners that are able to look at your individual circumstances.
Get Your Free Quote
Frequently Asked Questions
How much does Over 40s health cover cost?
Your health insurance premium will depend on factors such as your age, overall health, and the level of cover you choose. The best way to see what works for your budget is to get a free personalised quote — it only takes a minute and gives you a clear idea of your options.
How can I buy Over 40s private health insurance?
Simply complete our quick 60-second application form with a few basic details, and we’ll connect you with trusted UK insurers who can provide tailored quotes. It’s free, fast, and there’s no obligation to commit.
Is optical and dental care included?
It depends on your policy. Some insurers include optical and dental cover as standard up to a set amount, while others don’t include it at all. In many cases, you can add it as an optional extra for an additional fee. We’ll help you find a plan that matches your specific needs.
Testimonials
"Finding the right medical plan used to feel overwhelming. This service simplified the process, and I quickly received the information I needed to explore my options."
Chris W
"I was looking for a more comprehensive medical plan, and the team helped me understand the different choices available. They made it much easier to navigate the options."
Andy J
"The information I received was clear and concise, making it simple to understand the details of various medical plans. I felt supported in making an informed decision."
Stephen P
"I needed to find a medical plan that fit my budget without compromising on essential coverage. This service connected me with the resources to discover affordable options."
Danielle S
"Learning about different medical plans can be confusing, but the assistance I received made it straightforward. They helped me understand the key benefits and costs involved."
Paul T
"I was unsure where to start when looking for a new medical plan. This service guided me through the initial steps and connected me with the right information."
Ian S
"Getting access to information on multiple medical plans through this service was incredibly helpful. It gave me a good overview of what's available for my family's healthcare needs."
Jade S
"I appreciated the range of medical plan information I received. It gave me the confidence that I was exploring a comprehensive set of options."
Lexi S
"This service took the stress out of finding a new medical plan. The process was easy, and the information provided was very helpful."
Robert H
"I needed to review my medical plan options and ensure I had the right coverage. This service provided a convenient and efficient way to get the information I needed to make the right selection."
Leslie H