Over 50s private medical insurance from a proud mutual

Whether you want cover for prompt diagnosis and a range of out-patient treatments, or cover for in-patient and day-patient treatments, Optimum can help you with your healthcare needs.

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Optimum benefits

Optimum is a unique private health insurance that gives you flexibility with excess options, helping you to manage your premiums whilst meeting your healthcare needs. Optimum gives you a choice between two policies, an Out-Patient Plan or In/Day-Patient Plan, or you can take out both policies together.

Out-patient Plan

  • Prompt access to a private GP
  • Physiotherapy, acupuncture, osteopathy and chiropractic treatment
  • Mental health sessions with a counsellor or psychotherapist
  • Cover for £2,000 per policy year
  • Fast diagnosis with a specialist consultant
  • Minor surgery for carpal tunnel decompression, joint injections and excision and cauterisation procedures
  • Diagnosis of heart and cancer conditions
  • Excess options of £0, £100 and £250

In/Day-patient Plan

  • Private hospital in/day-patient treatments and operations including a range of heart and cancer treatments
  • One of the widest lists of eligible hospitals available from any insurer
  • Follow-ups and monitoring after surgery until your condition has stabilised
  • Hospital accommodation
  • Cover for £250,000 per policy year
  • Excess options of £0, £250, £500 and £1,000

Download Out-patient
Plan PDF brochure
  Download In/Day-patient
Plan PDF brochure

*The Marks & Spencer gift card will be sent to you within 28 days of receiving your first subscription. This offer cannot be used in conjunction with any other offer. Only one gift card will be issued per household. Offer may be withdrawn at any time.