Optimum policy application

You can apply for your choice of Optimum policies online or by downloading an application form and returning it to us.

There are THREE application types to choose from. The table below might help you understand which application type is suitable for you. If you have any questions about the different application forms please contact us.

Please note: To read or print out any of the PDF files, you must have the Adobe Acrobat® Reader installed: Download Adobe Acrobat

Full Medical Underwriting Continued Personal Medical Exclusions Moratorium
You:
1. don’t currently have a private medical insurance policy; and
2. have a pre-existing medical condition occurring in the last 5 years for which you want to know, right from the outset, whether it will be covered on the new policy.
You:
1. have an existing private medical insurance policy; and
2. have a pre-existing medical condition for which you want to know, right from the outset, whether it will be covered on the new policy.
You:
1. have an existing private medical insurance policy which excludes your pre-existing medical conditions; and
2. you are happy to carry these exclusions forward to the new policy; and
3. you have another pre-existing medical condition occurring in the last 2 years, for which you want to know, right from the outset, whether it will be covered on the new policy.
You:
1. do not want clarity at the outset on whether any pre-existing condition is covered or not (perhaps because you are generally fit and well with no current medical concerns and no significant medical history).
2. accept that your medical history may be checked when you claim, and pre-existing conditions may not be covered.
You:
1. have a pre-existing medical condition but believe it will not recur within the next two years and would like to take the chance that it might in future be covered under the new policy.
2. accept that your medical history may be checked when you claim, and pre-existing conditions may not be covered.

Full Medical Underwriting

This might be suitable for someone who:

  • Wants clarity on whether a pre-existing condition will be covered. We will tell you if a pre-existing condition is excluded from cover.

On your application form you provide us with details of medical conditions which you have been aware of, or had signs or symptoms of, or undergone consultations, investigations, medication, advice or treatment for, in the last five years. We will tell you whether we are prepared to offer you cover for those conditions. You can then choose whether to accept cover on that basis. Your Policy Schedule will specify which conditions are not covered (excluded) or which are covered only to a limited extent.

Please ensure you have read the Policy Summary before proceeding.

Continued Personal Medical Exclusions

This might be suitable for someone who:

  • is applying to carry forward existing exclusions from a current private medical insurance policy to the new policy; and
  • wants clarity on whether a pre-existing medical condition will be covered under the new policy.

On your application you will provide us with some details about your medical conditions for which you have received treatment in the last two years.

We will also ask you if you have had discussions with your GP, or plan to have discussions with your GP, which has or might lead to a consultation with a specialist.

If any medical conditions are not covered (excluded) under your current policy these exclusions will continue under the In/Day-patient Plan. We will also tell you whether we are prepared to offer you cover for any pre-existing medical conditions. You can then choose whether to accept cover on that basis. Your policy schedule will specify which conditions are not covered (excluded) or which are covered only to a limited extent.

Please ensure you have read the Policy Summary before proceeding.

Moratorium

This might be suitable for someone who:

  • has not had signs and symptoms of a pre-existing medical condition in the last five years before applying for the policy.

On your application you do not provide us with any details of your medical history. Any medical conditions which you have been aware of, or had, signs or symptoms of, or undergone consultations, investigations, medication, monitoring, advice or treatment for, in the last five years will not be covered for at least the first two years of the policy. If you do not have any signs or symptoms of a pre-existing medical condition in any two year period of the policy then any cover for that condition will be provided in line with the terms and conditions of this policy, from that point on.

Please ensure you have read the Policy Summary before proceeding.

Call one of our team

We can explain all the important detail 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