Competitive private individual health insurance for the over 50s from a member-owned mutual.
We’ve been providing health insurance for 150 years and are proud to offer benefits that many other providers may not.
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 at a discounted price.**
Our claims management has been rated 9.4 out of 10 over the last four years.
Based on a sample of 925 healthcare members.
In the last 12 months we have paid 99% of all medical claims.
Based on a total of 2,716 claims
During 2017 our Customer Services team answered 89% of calls within 20 seconds.
Based on a total of 14,956 telephone calls
*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 Offer may be withdrawn at any time.
**Terms and conditions apply