Competitive private individual health insurance for the over 60s 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.
None of our policies include a ‘no claims discount’ which means that your premiums won’t be affected by your individual claims
100% UK based, our customer centre is in Bristol and is staffed by our friendly team who will help you get the most from your policy
By taking out any of our policies you become a member of the society, which gives you access to our range of member benefits
We are run for our members and our profits are invested in improving member benefits and services, instead of paying shareholders.
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 Offer may be withdrawn at any time.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