Why choose Optimum for your corporate private medical insurance?
Cover that suits your company 
No two businesses are the same. That's why with Optimum, you can enhance your cover with extra benefits or decrease it to suit the needs of your employees and your budget.
Support through the unexpected 
From diagnostic tests and cancer cover to mental health pathways, our corporate private medical insurance comes with a range of options for healthcare support. So, when the unexpected or unthinkable happens, your employees are protected.
Wellbeing support for everyday life 
When you insure your employees through Optimum, you also get access to a range of wellbeing services. From help coping with stress to building healthier habits, they cover a range of physical and mental health support, available year-round.
Quick links if you need something else
Make a claim or find help and support using the links here.
Tailoring Optimum to suit your business and your people
With Optimum, you decide what is and isn’t included. From extending the list of hospitals available for treatment to including dental and optical cover, you can tailor your cover to what your business, and employees, need.
Starting with core cover, you can choose to add more benefits, which will increase your premium. Or, if options in your business private health insurance aren’t needed anymore, you can select options to reduce your cover.
Core cover includes:
- Acute conditions
Treatment for short-term illnesses or injuries that respond quickly to treatment, and lead to a full recovery. - Hospital charges and specialist fees
Cover for things like out-patient consultations and treatment, as well as specialists' fees and hospital accommodation. - Treatment for back, neck, muscle or joint pain (musculoskeletal conditions)
Optimum includes BacktoBetter, a third-party musculoskeletal case management service for members, to help them get better and back to work quicker. - Cancer cover
Including an NHS cancer cash benefit and radiotherapy and chemotherapy – on referral from a specialist. - Diagnostic tests
Such as pathology, X-rays, CT scans and physiological tests such as ECGs.
Enhance your cover:
- Upgrade to our extended hospital list
- Move up to level 3 cancer cover
- Add our mental health pathway
- Add our neurodevelopmental pathway
- Include gender identity support and services
- Add fertility and family planning support
- Include routine and GP referred services, such as scans, physiotherapy, and consultations and tests for chronic conditions
- Add dental and optical cover
Reduce your cover:
- Lowering the number of hospitals available for treatment
- Adding a member excess
- Reducing out-patient cover
- Going down to level 1 cancer cover
- Selecting the six week option
Learn more about what Optimum can cover
As Optimum offers bespoke private medical insurance, you can choose exactly what you’d like to cover and what you’d like to exclude from your policy. More information about how you can adapt your PMI, as well as common exclusions, can be found in our brochure.
Support your employees can rely on
When your employees aren't feeling their best, Optimum offers them expert support when they most need it. This includes extensive cancer care and direct access to both mental health and musculoskeletal treatment through our managed pathways.
Cancer cover
Cancer care is included in our core cover for Optimum, and there are three levels of cover you can choose from.
That means you have the flexibility to offer the cancer cover that suits your members’ needs and your budget. While all levels cover diagnosis and treatment, higher levels can include more high-cost treatments, and more.
Whichever level you choose, employees will get:
- access to diagnosis and treatment, helping to put their minds at ease
- an experienced and dedicated cancer claims team to support them every step of the way
- a range of additional support to help them throughout their cancer journey and beyond
- unlimited access to talking therapies
See how we supported Karin, one of our customers since 2021, with her cancer journey.
Mental Health Pathway
Our Mental Health Pathway offers your employees access to talking therapy and counselling, without the need for a GP referral. When they call us, we'll put them in touch with our third-party clinical provider for assessment and treatment. Outpatient limits don't apply to Mental Health Pathway.
We offer a wide range of specialists through our network of professionals. This includes clinical psychologists, talking therapists, psychiatrists and counsellors.
Anyone over the age of 11 who’s covered on the policy can use Mental Health Pathway.
BacktoBetter
A musculoskeletal condition – affecting back, neck, muscles or joints – can get worse quickly if not treated. When employees call our BacktoBetter service, they’ll be referred to one of our third-party clinical providers who’ll suggest the right treatment pathway for them.
If physiotherapy is recommended, we’ll pay for it when it’s needed. No need for a GP referral.
Anyone over the age of 11 who’s covered on the policy can use BacktoBetter.
Wellbeing support available for your employees
Optimum goes beyond financial support throughout treatment. It helps you take care of your employees year-round.
With our corporate private medical insurance, your employees also get access to our range of wellbeing services. Available throughout the year, they help your people get the most out of life through everyday health and wellbeing support.
From access to expert clinical help and mental health content to support building healthier habits, they help you take care of your employees’ everyday lives. And, at the same time, help you build a happier, healthier, more productive workforce.
Some wellbeing services are non-contractual benefits which Aviva can change or withdraw at any time. To be eligible for these wellbeing services employees must be residents of Great Britain, Northern Ireland, the Channel Islands or the Isle of Man. Terms and conditions apply to wellbeing services.
Clinical health services
Give your employees access to services that support their health, like a Digital GP and wellbeing guides.
Mental health support
With video modules and content all designed by clinicians, make sure your managers know what to do when an employee is struggling.
Discount and rewards
Support your employees' wellbeing and fitness goals with savings on online workouts, discounted lifestyle products and offers at over 4,000 UK health and fitness clubs.
* These services are non-contractual and can be changed or withdrawn at any time.
Looking to offer more to your employees?
If Optimum isn’t the right fit for your business, Optimum Referral or a Private Medical Trust could be. They can help you offer a further range of medical care for your employees.
Optimum Referral
A healthcare product that draws upon our breadth of clinical and customer service expertise, Optimum Referral delivers quality, sustainable healthcare tailored to you and your members’ needs.
With an open referral approach, it gives us the chance to add real value to your members. We use our clinical knowledge and independent quality data to signpost them to the right treatment provider for them. And we help to keep private medical insurance sustainable by making sure your healthcare is procured effectively and efficiently.
Private Medical Trusts
If you have 500 or more employees, you may choose to fund your corporate private healthcare with a healthcare trust. A healthcare trust can give you more control over the type of medical benefits you provide, as you can set the rules of the trust. And we can provide the day-to-day admin and management of the trust, including claims assessment and payment, so you don't have to.
Because it’s not an insurance contract, choosing a healthcare trust comes with funding benefits, like not paying Insurance Premium Tax on the claims fund. It can also provide Stop Loss Insurance to protect your company’s liability by absorbing the exposure to costs above a certain level.
Why choose Aviva for your private medical insurance?
Through our policies and products, and the wellbeing support that comes with them, we’re making sure you can be there for your employees, without having to worry about your business.
It’s not just about paying claims, it’s about giving you access to the right practical, emotional, and physical support at the right time.
Because that makes all the difference – for your employees, and your business.
Clinical excellence is in our DNA
We employ clinicians whose expertise informs every aspect of our work, from creating propositions, pricing products and analysing their impact, to monitoring our claims process and managing our relationships with providers.
Defaqto 5 Star Rating
A Defaqto 5 Star Rating applies to our PMI (Group) products, meaning we provide some of the highest quality offerings on the market.
MyAviva makes it easy for your employees
Your employees can access their PMI policy through our secure MyAviva platform, either in the app or online. MyAviva offers quick access to view their policy or make a claim.
Trust Aviva, the UK's biggest insurer
We’ve been supporting businesses for over 325 years. And our strong financial stability and ability to pay obligations to policyholders has been recognised by global credit rating agencies, including S&P, Moody's and AM Best, who have independently assigned investment grade financial strength ratings (AA- / Aa3 / A+) to rated entities.
How to get an Optimum private medical insurance quote
We know your insurance needs are unique to your business. That’s why we’re here to help you shape a package that’s tailored to you.
Get in touch
You can speak to your usual Aviva contact or current financial adviser to learn more about how Optimum could work for you.
Request a call from us
Alternatively, you can find out more about Optimum or get a quote, by asking for a call back. We’ll ring at the time that works for you and chat through your business needs.
Useful documents
Optimum product brochure (PDF 1.4 MB)
Optimum Referral product brochure (for employers) (PDF 621KB)
Cancer cover product brochure (for employers) (PDF 1.1MB)
BacktoBetter product brochure (for employers) (PDF 1.1 MB)
Neurodevelopmental pathway brochure (PDF 8.5 MB)
Supporting your employees through menopause brochure (PDF 9.4 MB)
More information about our group services
Private Medical Insurance for 1-249 employees
Our private medical insurance for 1-249 employees gives you extensive cover, with flexible options and ongoing support for you and your employees.
Group Life Insurance
Financial support for loved ones if an employee dies in service, as well as access to everyday health and wellbeing services and legal support.
Group Income Protection
Aviva's Group Income Protection insurance helps employees if they can’t work due to illness or injury, with flexible payment terms for employers.
Group Critical Illness
We pay a lump sum if an employee is diagnosed with a critical illness, undergoes an operation covered by the policy, or for some surgeries, is added to the NHS waiting list, and survives at least 14 days.