Post-Retirement Medical Cover
✓ Last verified 14 Sep 2026
The short version
Post-retirement medical cover refers to health insurance arrangements specifically for after employment ends - whether a continued employer benefit (uncommon) or an independent policy secured before retirement, since default employer group cover typically stops at retirement.
See our full article on post-retirement health insurance changes for the complete picture - in short, most employer group health cover ends at retirement, and securing an independent policy well before that date (while healthier and younger) avoids starting fresh with full waiting periods and a higher premium exactly when income also drops.
Want this worked out for your own numbers?