1300 955 691
Get a quote

Who Offers the Best Health Insurance for Over 50s in Australia?

Find the right policy to cover private hospitals and extras, for tax purposes or to avoid LHC Loading. Trust Fair Health Care to provide you with informed options to consider.
Compare Health Insurance

Health Insurance for Over 50s

active woman over age 50 exercising

All in One Coverage for All Your Medical Needs and Expenses

Having the right health insurance coverage becomes more important as we grow older. At Fair Health Care, we understand the unique health requirements of individuals over 50. We’re committed to helping you compare different policies and tailoring a policy that covers all your medical needs and expenses. You deserve to enjoy your golden years with peace of mind and financial security! Don’t wait until it’s too late – contact us today to find the right health insurance policy.
Compare Health Insurance

Who is Health Insurance for Over 50s Catered for?

As people age, they may require more medical attention and treatment than they did when they were younger. While Medicare is great, it doesn’t cover comprehensive services that middle-aged individuals need. Private health insurance for those over 50 covers a broader range of medical expenses, offsetting the costs of chronic health conditions that are more common for this age group. Individuals over 50 are more susceptible to pre-existing conditions. While these conditions don’t impact the cost of your policy, you may still have to wait an additional 12 months before you can claim any procedures or treatments. In this scenario, you want to find a policy waiving the waiting time. Don’t hesitate to get in touch with one of our health advisors if you require more guidance on similar issues.
Compare Health Insurance

What’s the Best Over 50s Cover Health Insurance Policy for Me?

If you’re over 50 years old, private health insurance can help you stay on top of your health and manage your medical expenses. At Fair Health Care, we understand that everyone has different health needs and budgets, which is why we provide tailored advice to help you navigate the complex world of health insurance. Before you get started, it may be helpful to reflect on your circumstances by asking yourself the following questions:

Private health insurance offers several benefits you don’t get from Medicare alone, including shorter waiting times for elective surgeries, access to private hospital rooms, or the ability to choose your preferred healthcare provider. In short, private health insurance offers the reassurance of getting the treatment you need when you need it without having to wait. However, private health insurance can be expensive, too. Assessing your health needs, the cost of premiums, and potential out-of-pocket expenses is essential before investing more money in a policy.
Individuals above 50 years old are more likely to require specialist care and treatment, which is why it’s better to have access to a broader network of healthcare providers. However, it’s important to note that this may increase the cost of your policy. Having said that, some policies may offer a preferred provider network, reducing costs while still providing access to a broad range of healthcare providers. This is why it’s important to compare different policies to select a policy that offers the right breadth of network and costs.  Some policies may offer a preferred provider network, which can reduce costs while still providing access to a broad range of healthcare providers. That’s why it’s essential to compare different policies to select a policy that offers you the right breadth of network and costs.
When it comes to finding suitable private health insurance, it’s important to consider several factors beyond just the cost of the policy. You want to ensure that your policy covers relevant treatments, procedures, and services for your health. Other than coverage, you should also think about the following factors to make an informed decision.

Waiting periods (some policies have waiting periods before you can claim benefits for services such as if you have a pre-existing condition) Gap payments (if your healthcare provider charges more than what your policy covers, you may be responsible for paying the difference) Lifetime health cover loading (if you didn’t take out private hospital cover before the age of 31, you may have to pay an additional fee)  Extras cover Exclusions and limits  Premiums and deductibles

What’s the Best Over 50s Cover Health Insurancee Policy for Me?

If you’re over 50 years old, private health insurance can help you stay on top of your health and manage your medical expenses. At Fair Health Care, we understand that everyone has different health needs and budgets, which is why we provide tailored advice to help you navigate the complex world of health insurance. Before you get started, it may be helpful to reflect on your circumstances by asking yourself the following questions:

Private health insurance offers several benefits you don’t get from Medicare alone, including shorter waiting times for elective surgeries, access to private hospital rooms, or the ability to choose your preferred healthcare provider. In short, private health insurance offers the reassurance of getting the treatment you need when you need it without having to wait. However, private health insurance can be expensive, too. Assessing your health needs, the cost of premiums, and potential out-of-pocket expenses is essential before investing more money in a policy.
Individuals above 50 years old are more likely to require specialist care and treatment, which is why it’s better to have access to a broader network of healthcare providers. However, it’s important to note that this may increase the cost of your policy. Having said that, some policies may offer a preferred provider network, reducing costs while still providing access to a broad range of healthcare providers. This is why it’s important to compare different policies to select a policy that offers the right breadth of network and costs.  Some policies may offer a preferred provider network, which can reduce costs while still providing access to a broad range of healthcare providers. That’s why it’s essential to compare different policies to select a policy that offers you the right breadth of network and costs.
When it comes to finding suitable private health insurance, it’s important to consider several factors beyond just the cost of the policy. You want to ensure that your policy covers relevant treatments, procedures, and services for your health. Other than coverage, you should also think about the following factors to make an informed decision.

Waiting periods (some policies have waiting periods before you can claim benefits for services such as if you have a pre-existing condition) Gap payments (if your healthcare provider charges more than what your policy covers, you may be responsible for paying the difference) Lifetime health cover loading (if you didn’t take out private hospital cover before the age of 31, you may have to pay an additional fee)  Extras cover Exclusions and limits  Premiums and deductibles
Compare Health Insurance

Compare Over 50s Private Health Insurance in Australia with Fair Health Care

At Fair Health Care, we’re dedicated to providing tailored solutions that suit your individual needs and budget. With transparency and honesty at the forefront of our approaches, our advisors can help you compare various policies to ensure you get the best possible cover. Whether you’re looking for basic hospital cover or comprehensive extra, get in touch with Fair Health Care to secure your health and well-being and enjoy life with peace of mind! From young adults to seniors, we’re committed to helping individuals at different stages of life choose a policy that is best fitted to their needs.
Compare Health Insurance

Who is the best health insurance founds in Australia?

With so many health insurance companies and brands available in Australia, choosing the right one can be daunting. Selecting a health fund that offers reputable hospital coverage, fair extras rebates, flexible policy options, and excellent customer service is essential…
READ MORE

Who is the best health insurance founds in Australia?

With so many health insurance companies and brands available in Australia, choosing the right one can be daunting. Selecting a health fund that offers reputable hospital coverage, fair extras rebates, flexible policy options, and excellent customer service is essential…
READ MORE

Do I need Health Insurance?

Learn about Medicare, the public health system, private hospital and extras, and how health insurance might benefit you and your family.

Health Insurance Tax

Are you paying the Medicare levy Surcharge? If so, taking out private health insurance can help you avoid paying the MLS tax.

Health Insurance Rebate

The private health insurance government rebate is means tested, meaning your income could affect the cost of your health insurance.

Lifetime Health Cover Loading

If you’re 31 or over, you may have a Lifetime Health Cover loading (LHC) penalty which will increase the cost of your health insurance.
LEARN MORE

Health Insurance Articles

Explore More Articles

1300 955 691

Suite 1/600 Victoria St Richmond, VIC, 3121

Monday-Thursday: 9am – 6pm
Friday: 9am – 5 pm
Saturday and Sunday: Closed

Facebook Linkedin Instagram

Fair Health Care Pty Ltd (ABN 86 622 966 303) gives direct health insurance advice as a signatory and member of the PHIIA Code of Conduct. Advice is underwritten by The ItsMy Group Pty Ltd (ABN 85 167 289 965), who are also signatories to the Private Health Insurance Intermediaries Code of Conduct. All advice is provided within strict adherence to this code.

© 2025 Fair Health Care Pty Ltd – ABN 86 622 966 303

0%

Select Cover for...*

Estimated time to complete: 02:50 minutes

Single
Just Myself
Couple
Just Us Two
Family
Just Us and the Kids
Single Parent
Just Me and the Kids
Please select an option.

Select your State*

Prices and policy availability are affected by where you live.

ACT
ACT
New South Wales
New South Wales
Victoria
Victoria
Queensland
Queensland
South Australia
South Australia
Western Australia
Western Australia
Tasmania
Tasmania
Northern Territory
Northern Territory
Please select an option.

Do you currently have health insurance?*

yes image
Yes
no image
No
Please select an option.

Who is your current health fund?

Please select an option.

Select your Product Type*

Combined
Hospital Cover + Extras
Hospital
Just Hospital Covers
Extras
Just Extras
Not Sure
Not Sure
Please select an option.

Do you need any of the following covered in a private hospital?*

These specific categories often require a top level of hospital cover, which is the most costly.

Pregnancy
Pregnancy
Joint Replacements
Joint Replacements
Cataracts
Cataracts
Dialysis
Dialysis
Weight Loss Surgery
Weight Loss Surgery
Heart
Heart
Psychiatric In-Hospital
Psychiatric In-Hospital
None of these
None of these
Please select an option.

Which extras do you require cover for?

General Dental
General Dental
Major Dental
Major Dental
Optical
Optical
Physiotherapy
Physiotherapy
Chiropractic
Chiropractic
Massage
Massage
Podiatry
Podiatry
Other
Other
Please select an option.

Your Government Rebate*

This is your taxable income before tax. It will affect which health insurance rebate you are entitled to and your policy price.

Please select an option.

Great! We've found high-value policies to match your stated needs.

Enter your details so we can help you refine it further. Our tailored health insurance quote will be fast and 100% obligation free.

Please enter a valid email address.
australian-flag-image
+61
Please enter a valid 10-digit Australian phone number without the country code (+61).
Your information is important to us. By clicking ‘I accept’ you agree to the Fair Health Care Alliance privacy policy for the sole purpose of providing you with a personalized health insurance quote based on your stated needs. (We don't share your information with any marketing or data companies! Promise)
You must agree to the privacy policy to proceed.
Please select an option.