When you’re over 60, rather than slowing down, many people decide it’s time to pack up and travel or develop new skills and interests. It’s time to enjoy life.
Whether you like to take it easy, or prefer to throw yourself headfirst into new pursuits, the right private health insurance can help you maintain an active, healthy lifestyle in your later years. Enjoy the peace of mind that comes with knowing you’re covered for a range of common, yet perhaps unforeseen, health issues that may crop up.
When was the last time you reviewed your health insurance?
If you’re over 60, you probably no longer need that pregnancy cover, so maybe replace it with something else. Your health needs change at different life stages, and it makes sense that your health insurance should change with you.
How are your teeth these days? Or your eyesight? Consider bumping up areas like dental, optical or your level of hospital cover. If you have outgrown your family policy, switching to a singles or couples policy may give you a broader range of options as well as better value from your health insurance.
If you’re over 60, you may want to consider these options:
Cardio Thoracic cover:
Heart surgery and related treatments are not usually provided as standard in a basic hospital policy, but they often come as standard on premium level policies.
Joint replacement cover:
Joint replacement surgery can have a long waiting list in the public system. Appropriate private cover means you can jump the queue and be treated in a private hospital… so you can get back on your feet sooner rather than later.
Unfortunately the likelihood of experiencing eye problems increases with age so it’s a good idea to make sure you’re covered for any glasses or other visual aids that might be appropriate.
If you’ve overdone it in your rock ‘n’ roll classes, physiotherapy may help you alleviate any aches and pains you may experience as you get older.
Cover for common health conditions:
There are a number of diseases like arthritis and diabetes that often become more prevalent in later years and can impact your quality of life.
You may already be covered for many of these, but it doesn’t hurt to check. The exact level and types of cover you need will depend on your lifestyle as well as your medical and family history.
Extras Cover For Those Over 60
For extras cover, like dental and optical, you may be subject to annual limits on how much you can claim. If this is the case, it’s worth considering whether you want to increase your level of cover so you can claim more back if you need to.
Many over 60s who live active and healthy lives appreciate the reassurance and peace of mind they get from knowing they have the right level of private health cover if they should need it. It doesn’t take too long to review your policy and once you are comfortable you have what you need, you can get on with making the most out of life in your later years.
This post was contributed by Jayn O’Driscoll from Choosewell, an Australian Health Insurance Comparison Service committed to finding the right health insurance products at the best price. Jayn has been in the Financial Services Industry for 15 Years.