Private Medical Insurance

Access to private medical care made easy

Take the worry and uncertainty out of private medical healthcare

Also known as health insurance, private medical insurance works in the same way by helping to cover the cost of high-quality medical treatment, allowing fast access to surgeries, therapies and after-care.

Optimum offers two health insurance policies that can work separately or alongside each other, so you can have peace of mind when it comes to your medical needs.

Our Optimum policies between them cover:

Private GP appointments available 24/7

Be diagnosed quickly with private healthcare services, either in person or online via video chat.

Easy access to eligible treatments and operations

Including extensive heart and cancer treatments, medical appliances and monitoring after surgery.

One of the widest hospital lists available from any private healthcare provider

Choose the private hospital you want, including those in Central London (increased premiums apply).

The Optimum difference

Our Optimum healthcare policies between them cover a range of treatments, including diagnoses, therapies and operations as an out-patient, day-patient or in-patient. If you take out both policies together we will reduce each monthly premium by £5, a combined saving of £10 per month. Terms and conditions apply.

The whole treatment journey covered by private care

  • Cover from consultations and diagnosis, through to treatment.
  • Mental health sessions with a counsellor or psychotherapist.

  • Service from an experienced claims team, to help you through every step of your claim.

Fair, predictable payments

  • 5 year term which means annual premium adjustments are limited to age and medical inflation factors, not individual claims history.
  • No add-on fees for switching from another provider.
  • No "no claims bonus” makes the pricing more straightforward.

Options to suit your budget

  • We offer a range of excess levels, with the choice to review them annually.
  • Two policies that can work separately or together.
  • By taking out both policies we will reduce each monthly premium by £5, a saving of £10 per month (terms and conditions apply).
Get my quote

The National Friendly difference

For us, it’s all about providing flexible health cover for you.

We were rated 9.5 out of 10 for our medical claims management service in 2020.

(based on a survey of 152 customer satisfaction survey responses from medical claims in 2020)

In 2020, we received a satisfaction score of 94% for ease of service.

(based on a survey of 152 customer satisfaction survey responses from medical claims in 2020)

In 2020, we received a satisfaction score of 93% for speed of service.

(based on a survey of 152 customer satisfaction survey responses from medical claims in 2020)

Call one of our team

We can explain all the important details and the options available. Call us on: 0333 014 6244.

8am to 6pm Monday to Friday excluding bank holidays. Calls are recorded for training and quality purposes.

Give us a call

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