Find a new product

Optimum Hospital removes the guesswork from choosing Hospital cover. True peace of mind comes from knowing that you are covered for everything we are able to cover.

A comprehensive everyday level of cover that suits most people's needs unless you require pregnancy and birth, assisted reproductive services or weight loss surgery.

An affordable hospital cover option that covers some common procedures (including heart and vascular).

Well suited to young people taking out hospital cover for the first time, who don’t have any specific health issues or concerns.

Basic Plus Starter Hospital is well suited to young people taking out hospital cover for the first time, who don’t have any specific health issues or concerns.

This is our top-level extras. It is a great cover for people who are high users of particular healthcare treatments or services. It's also our only extras cover with benefits for orthodontics – the ideal choice for families with growing smiles.

Smart Extras excludes cover for orthodontic treatment and is ideal for singles, couples or families. Its benefits are only slightly lower than our top extras offers, and most annual benefits limits are available 'per membership' rather than 'per person'.

Value Extras is an ideal starter cover for those who only use the occasional extra healthcare services. This one leaves out orthodontics and major dental, but includes great general dental and a range of the most commonly used specialist and alternative therapies.