With growing age, the likelihood of experiencing health conditions such as diabetes, arthritis, decline in heart health, brittle bones, and hearing loss increases. Falls and fractures also come across as significant risks, leading to the requirement for hospital treatment. Additionally, as we age, we’re more likely to make claims on our health insurance policies as well. The increased chances of falling ill, developing medical conditions and suffering from injuries lead to the higher cost of premiums, making it difficult to find affordable health insurance for those over 65. Fortunately, there are lots of insurance policies that can provide the coverage you require. These policies are customised for older people, covering only important policy elements, and may even be less costly than expected. Investing in the right private medical insurance plan can help you get prompt care as and when required. If you plan to buy private health insurance for senior citizens in the UK but find it difficult to choose the right one, let us assist you How to Make Your Health Insurance Policy Affordable? 1- Compare Policy Plans When you purchase a new policy or plan to renew a current one, comparing different types of policies is crucial. Even if the current policy plan seems apt, you can get better policy packages covering a wider range of medical treatments. An exception is that pre-existing conditions covered in the current policy are not included in new policies until the moratorium period ends. Moratorium underwriting refers to the period when pre-existing conditions are excluded and has a time frame of typically two years. The insurer reinstates the cover if you remain free from symptoms during that period. It must also be noted that buying a new policy with a different insurer can lead to a new moratorium period and make you wait longer to cover a pre-existing condition.