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Health insurance for people over 80

Are you over 80? Find out what you should be looking for in a health insurance policy, along with healthy living tips.

When you’re young and fit, taking out health insurance may seem less important. However, when you’re over 80 it can provide real peace of mind. Unlike travel insurance, where over 80s can find it difficult to get cover and must undergo medical exams, private health insurance is available to Australians regardless of age or pre-existing conditions. Keep reading to find out more about health insurance for people over 80 years of age.

Compare over 80s health insurance online

Find out what policies are currently on offer from Australian providers

Details Features
Basic Hospital ($500 excess) & Premium Extras
Basic Hospital ($500 excess) & Premium Extras
$100 gift card for all new members and discount on extras cover when taken out in combination with a hospital.
  • No excess for dependents under 21
  • Excess halved for day surgery
  • 100% back on emergency ambulance transport
  • Optical and dental covered
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High 65 / 75 / 85% - $0/$250/$500 Excess
High 65 / 75 / 85% - $0/$250/$500 Excess
Combines High Hospital Cover with its highest level of extras cover.
  • Cover starting from $44.74 weekly
  • 12 month waiting period for pregnancy
  • 65% back on extras
  • Choice of $0, $250 and $500 excess
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Deluxe flexi
Deluxe flexi
Deluxe flexi provides cover for a range of treatments including hip replacement, spinal fusion, dialysis and major eye surgery.
  • No excess for kids
  • All joint replacements
  • Major eye surgery
  • Rehabilitation
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Smart Combination
Smart Combination
Smart combination provides a high level of cover for both hospital and extras.
  • Claim up to $2725 back on extras
  • Hip and knee replacements
  • General and major dental
  • Physio
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Highest level of combined cover offered by CBHS. Includes the same benefits as Comprehensive Hospital and Top Extras plus more. Restricted fund: Only current or former staff (and their families) of Commonwealth Bank Group and their subsidiaries which include Aussie, Bankwest, Colonial First State and more can join.
  • No excess or co-payments on hospital cover
  • Non-student dependent under 25 can be kept on policy
  • Access to Chronic Disease Management Programs
  • Widest range of extras including orthodontics
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Bronze Hospital (no pregnancy) and Bronze Extras Set Benefits
Bronze Hospital (no pregnancy) and Bronze Extras Set Benefits
High level of hospital cover and extras cover for a range of popular services including knee and should reconstructions.
  • Most comprehensive hospital options
  • Cover for general and major dental
  • Shared or single room in a private hospital
  • Intensive and coronary care
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Premium Hospital and Silver Extras Cover
Premium Hospital and Silver Extras Cover
Comprehensive hospital cover including pregnancy cover. Also included affordable mid-level extras cover for dental, optical and therapies.
  • Cover from $39.50 per week
  • Pregnancy and birth-related services cover
  • Heart surgery cover
  • 100% cash back on two dental check per year
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Top Hospital with Top Extras
Top Hospital with Top Extras
Get comprehensive hospital and extras cover and tailor your policy to your needs.
  • Pregnancy and birth services cover
  • Back surgery cover
  • $1000 general dental annual limit
  • $600 physiotherapy annual limit
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Young Couples Combined Cover
Young Couples Combined Cover
Mid-level hospital and basic level Extras package with an excess for young, healthy couples that are not quite ready to start a family.
  • Emergency ambulance cover
  • Cancer-related surgery cover
  • 70% back on extras
  • $300 dental annual limit per person
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Why should over 80s consider health insurance?

Even if you’ve never had health insurance before, if you were born on or before 1 July 1934, the Lifetime Health Cover (LHC) loading – which applies a 2% increase on premiums for every year without hospital cover – won’t apply to you.

There is also a greater incentive to have health cover in later life, as those aged 70 and over receive a larger Private Health Insurance Rebate in their tax return than all other age groups (up to 35.7%).

What should over 80s health insurance cover?

If you’re over 80, chances are you will have more health problems than someone under 50 and make greater use of medical and hospital treatments and services. Health problems facing over 80s can include:

    • Osteoprosis
    • Broken bones from falls
    • Heart problems
      • Dementia
      • Cancer

So, a good health insurance policy needs to cover all eventualities and should ideally include:

        • Hospital cover. Hospital cover will offer a private or shared room in a private or public hospital, ambulance cover, theatre and intensive care fees, pharmaceuticals, x-rays and pathology. Rather than containing cover for treatments you are unlikely to use such as pregnancy and IVF, it should cover those treatments and services you are more likely to need such as cardiac surgery, joint reconstruction, non-cosmetic eye surgery, organ transplants, prosthesis, psychiatric treatment and palliative care.
        • Extras cover. Extras will cover you for services you are likely to need such as optical, dental, physio and podiatry and not those services you won’t need such as gym membership or travel vaccinations. And you should look for a policy that provides individual rather than combined benefit limits, which allows you to claim more for the services you need the most.

Tailoring your health cover to your individual needs is the best way to ensure you get value for money, and shopping around and comparing policies will allow you to see who’s offering the best health insurance options for over 80s.

How can the Commonwealth Seniors Health Care Card help me?

Something else that can help to lighten the burden of health expenses in your later years is the Commonwealth Seniors Health Care Card. This is a concession card that is available to Australian residents of Age Pension age, which is currently:

  • 65 years and 6 months if you were born before 31 December 1953.
  • 67 years if you were born after 1 January 1957.

The card entitles you to a range of concessions such as:

  • Cheaper prescriptions through the Pharmaceutical Benefits Scheme (PBS).
  • Higher benefits for medical expenses when you exceed the Medicare Safety Net threshold.
  • Bulk billing at participating GPs.
  • Cheap travel on the Ghan, Indian Pacific or Overland rail services.

While there’s no asset test for eligibility, to receive the card you must not be eligible for an Age Pension or Veterans’ Affairs pension and your adjusted taxable annual income must be below $51,500 for singles and $82,400 for couples.

What are the benefits of healthy eating for over 80s?

Naturally, the best form of insurance to have when you’re older is good health and over 80s can help to keep a range of chronic health problems at bay by observing healthy eating habits.

A balanced diet for over 80s should include foodstuffs such as :

  • Fruit and vegetables
  • Wholegrain bread
  • Pasta and rice
  • Potatoes
  • Milk and other dairy products
  • Fish and meat
  • Eggs and beans

While beneficial minerals and carbohydrates for over 80s are:

  • Fibre to ward off constipation and digestive problems
  • Calcium to keep osteoporosis at bay
  • Zinc to boost the immune system
  • Iron for general good health

You should try and eat three meals a day, drink lots of water, lower your salt, coffee and alcohol intake and maintain a healthy body weight by exercising regularly.

What can I do to lower my blood pressure?

As well as healthy eating, lowering your blood pressure can also keep you healthier for longer when you’re over 80, as high blood pressure increases your chance of having a heart attack or stroke. Ways to reduce high blood pressure include:

  • Regular exercise. You should get roughly half an hour of moderate exercise such as walking, swimming or cycling five times a week.
  • Balanced diet. Eat regularly from the five major food groups and cut down on sugar and saturated fats.
  • Less salt. Don’t add salt to your food and look for processed foods that contain less salt.
  • Less alcohol. Don’t drink more than two standard drinks in a day.
  • Quit smoking. Quitting smoking will lower your blood pressure and reduce your risk of developing heart disease and other smoking-related health problems.

How can I keep my eyesight in good condition?

Maintaining good eyesight is part of staying healthy in your 80s and ways to keep your eyes stronger for longer include:

  • Having regular eye exams and keeping your prescription glasses up to date.
  • Eating a balanced diet, which will help to protect your eyes from cataracts and macular degeneration.
  • Wearing UV-rated sunglasses, which will protect your eyes from the sun’s damaging UV rays.
  • Regularly exercising, which will help to maintain good circulation and oxygen intake – both essential for eye health.
  • Giving up smoking, which will lessen your chances of developing cataracts or macular degeneration.
  • Avoiding obesity, which can result in diabetes and possible vision loss.
  • Getting plenty of sleep, which can help to clean and lubricate your eyes.
  • Always using strong lighting when reading or doing close work to avoid eye strain.

After over 80s health insurance? Compare your options with help from an adviser

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Richard Laycock

Richard is the senior insurance writer at and is on a mission to make insurance easier to understand.

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