Mutuals available generally adapt to almost all ages and all situations in life. There are mutuals for the family, for students, for young graduates, etc. So, logically, there are mutuals exclusively for seniors and their needs. Unfortunately, they are often more expensive.
Indeed, as you get older, medical needs usually become larger and more expensive. The risks of serious illnesses and hospitalization are also greater and the mutuals take them into account to adjust the price of the contributions. In exchange, the mutual for seniors is often tailor-made to suit their needs (telescope, chronic illness, etc.).