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Private Health Insurance in Retirement
The cost of Private Health Insurance can be a big shock when
you retire, even when you are offered a continuation by your
organisation’s Health Insurance provider.
In order to maintain Private Health Insurance cover for a
manageable cost we are introducing independent specialist
private medical insurance intermediaries, Halcyon HealthCare
Ltd. See what they say below about innovative health insurance
policies from leading health insurance providers that are of
special interest to those who keep active in retirement.
Lifestyle Policy - The more you exercise the more you
could save
 One
leading insurer provides individual and family policies that
encourage members to exercise to stay healthy and rewards them
with reduced premiums and discounted health checks, spa visits,
gym fees and other benefits.
For example you can score points by using a high-tech pedometer
to record the steps you take when walking, playing golf, jogging
or other regular activities. Together with other healthy
lifestyle activities you can earn points which can reduce your
next year’s premiums by up to 25% of the premiums paid in the
previous year. Up to 35% no claims discounts can also apply.
This type of policy not only rewards a healthy lifestyle but
encourages and assists you to exercise to help you stay healthy.
 This type of policy not only rewards a healthy lifestyle but
encourages and assists you to exercise to help you stay healthy.
Many pre-existing conditions, with the notable exceptions of
heart and cancer conditions, may also be covered after two years
membership of the healthy lifestyle policy if the policy is
purchased before the age of 60.
Independent Private Health Insurance specialists
A comparative cost illustration costs you
nothing
 The
above lifestyle based policy is just one of a wide range of
policies to choose from, to meet your budget and your particular
health insurance needs.
If you currently benefit from a company private medical health
insurance scheme then you need to consider how to maintain that
valuable benefit in retirement and for the lifestyle policy,
act before the age of 60.
If possible, it is very important to maintain continuity of
cover for medical conditions that have occurred while covered by
a company scheme, but the offer of a ‘Continuation Option’ may
not be on terms as beneficial as your company plan and after an
initial payment holiday, your premiums will most probably rise,
often by a significant amount. As long as continuity of cover is
maintained, alternative insurers’ ‘switch terms’ may prove more
cost effective in the long-term.
If you already have a private health insurance scheme placed
directly with an insurer, you
are most probably paying the same premium as you would pay
through an intermediary without receiving the benefit of an
independent market appraisal. As well as providing initial
alternatives, as an independent intermediary we at Halcyon
Healthcare can provide
an annual appraisal of your policy in comparison with new
policies being introduced at no additional cost.
Ask us about details of policies that:
- encourage people to stay healthy and reward them for
doing so
- have lower cost, but still guarantee prompt treatment
- help with quitting smoking and provide stress
counselling
- may cover pre-existing conditions after 2 years
membership
- have very competitive rates for former employees or
close relatives of former employees of the public services,
the NHS and education
A comparative cost illustration will cost you nothing! Simply
click on the link in the box and fill out the attached enquiry
form for Halcyon Healthcare.
  Halcyon
Healthcare Limited is a member of the British Insurance Brokers
Association and the Association of Medical Insurance
Intermediaries
Halcyon Healthcare Ltd is Authorised and Regulated by the
Financial Services Authority.
Visit our
Pre-retirement Courses
section here on laterlife or our
dedicated Retirement Courses site
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