UK private health insurance for the over 50s

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.

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By clicking 'Submit' you agree to our privacy notice and allow National Friendly to contact you about your Optimum quote.

National Friendly will never sell your personal data to any third parties. However, we would like to keep you up to date with products and services that we offer.

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Why choose National Friendly’s private health insurance?

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.**

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

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 Offer may be withdrawn at any time.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