Your Optimum quote

Being an out-patient is where your hospital visit doesn't require you to have the use of a bed for recovery.

With our Out-patient Plan you can get prompt access to a private GP and specialist consultant to get you on the path to recovery. The policy helps to cover healthcare costs associated with diagnosis of a new medical condition together with a range of out-patient treatments. You will have a choice of two annual cover limits, £2,000 or £5,000 (see below).

• Appointments with a private GP
• Diagnosis of heart and cancer conditions
• Diagnostic consultations with specialist consultants
• Diagnostic tests to help find the cause of your symptoms
• Physiotherapy, acupuncture, osteopathy and chiropractic treatment
• Minor surgery for carpal tunnel decompression, joint injections, and excision and cauterisation procedures
• Mental health sessions with a counsellor or psychotherapist

Exclusions will apply. An exclusion is an illness, injury or other medical condition not covered by your policy.

Being a day-patient is where your hospital visit requires you to have the use of a bed for some part of the day for recovery, but not overnight.

Being an in-patient is where your hospital visit requires you to have the use of a bed overnight, as well as during the day, for recovery.

There are times when you just can’t afford to wait for an operation. Our In/Day-patient Plan provides faster access to a range of in-patient and day-patient treatments and operations, including a selection of heart and cancer treatments, for a new medical condition. We can give you prompt access to a private hospital near you. You will have £1million, cover available each policy year.

• Private hospital in-patient treatment
• Private hospital day-patient treatment
• Extensive range of heart and cancer treatments
• Follow-ups and monitoring after surgery until your condition has stabilised
• Medical appliances and prostheses
• Hospital accommodation

Exclusions will apply. An exclusion is an illness, injury or other medical condition not covered by your policy.