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Optimum

In/Day-patient Plan

There are times when you just can’t afford to wait for an operation. That’s why our In/Day-patient Plan could make all the difference, we can give you prompt access to a private hospital near you.

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. You will have £1million, cover available each policy year.

    • Private hospital in-patient treatment
    • Private hospital day-patient treatment
    • Follow-ups and monitoring after surgery until your condition has stabilised
    • Medical appliances and prostheses
    • Hospital accommodation
    • Extensive range of heart and cancer treatments
  • Because we believe in fairer healthcare for all our customers we’re proud to offer benefits that many other providers may not.

    • We don’t operate a ‘no claims discount’ – so your annual premium review won't be directly impacted by claims you have made personally
    • One of the widest lists of eligible hospitals available from any insurer – we only exclude a very small list of hospitals

Your excess options

Should you need to claim an excess is an optional amount that you can choose to pay towards the cost of treatment in any policy year. This can be beneficial if you want to keep down the price you pay for your private medical insurance. Your premiums will be lower the higher the excess you choose. Or you might decide that you would rather not pay an excess and that is one of our options too.

The four excess options are:

No excess£250£500£1,000

Private hospitals - extended list

You have a wide choice of hospitals you can use, depending on the premium you want to pay.

The standard hospitals option excludes treatments at the following UK private hospitals: please click here

The extended hospitals option includes treatment at any UK private hospital, including those hospitals listed in the above pop up. Your premium will be higher as a result.

You will choose either the standard hospitals option or extended hospitals option when you first take out a policy and you will be given the option to change your choice at each five-year renewal.

  If you would like to know how much of a difference the excess and hospital options could make to your monthly premium, please click the button below for a personalised quote.

Get a quick quote and apply today

Other private medical insurance cover

Optimum

Out-patient Plan

Prompt access to a private GP and consultant for diagnosis and a range of out-patient treatments. £2,000 or £5,000 of cover available each policy year.