Why recommend Optimum?
Optimum is a corporate private medical insurance solution tailored for larger businesses. It lets you help your client shape cover around their workforce, priorities and budget.
- Design bespoke cover aligned to business needs
- Segment benefits across employee groups
- Balance cost and cover at scale
- Dedicated account management and regular reporting
Flexible by design 
Optimum is a flexible product which lets clients choose the cover that's right for them. This helps create a healthy balance between business needs and budget.
Great wellbeing benefits 
Access to a variety of wellbeing services including the Aviva Digital GP app*, 24/7 access to a Digital GP.
*This is a non-contractual benefit that could be withdrawn or changed at any time.
Dedicated risk support 
Our expert account managers offer personalised guidance and transparent insights, helping you and your clients understand trends and key risk areas.
Tailoring Optimum to suit your client's needs
With Optimum, businesses can shape their private medical insurance around what matters most. From expanding hospital access to choosing levels of cancer cover, the cover can be tailored to suit both business priorities and employee needs.
Suggested core cover includes:
- Cover for acute conditions
Treatment for short-term illnesses or injuries that respond quickly to treatment, and lead to full recovery. - Hospital charges and specialist fees
Cover for out-patient consultations, treatment, specialists' fees and hospital accommodation. - Cover for musculoskeletal conditions
Includes BacktoBetter, a third-party case management service helping employees recover and return to work faster. - Cancer cover Level 2
Provides cover for eligible cancer treatments, including access to Talking Through Cancer and selected support services. - Diagnostic tests
Such as pathology, X-rays, CT scans and physiological tests such as ECGs.
Options to enhance cover:
- Upgrade to our extended hospital list
- Move up to level 3 cancer cover
- Add the mental health pathway or mental health pathway plus
- Add the 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 chronic condition consultations and tests
- Add dental and optical cover
Options to reduce the cost of cover:
- Switch to our open referral product, Optimum Referral
- Add a member excess such as £100, £150 or £200 per person per policy year
- Reduce out-patient cover such as £1,000, £1,500 or £2,000 per policy year
- Move to level 1 cancer cover
- Select the six week option
Digital services designed around your clients
Help your clients get more from their health cover with digital services designed around their needs. From online claims and member self-service to scheme administration and clinical support, our tools make healthcare easier to access, reduce administrative effort and help employees stay engaged with their cover.
Make it easy with MyAviva
Give your clients' employees easy access information, support and wellbeing services with MyAviva. Designed to make managing health cover easier, MyAviva helps members stay informed, connected and in control, all through one secure online account.
With MyAviva, employees can:
- Get fast, flexible support that fits their lifestyle through self service tools and live chat.
- Make the most of wellbeing services to boost their health and happiness.
- Stay informed and in control with a simple, accessible way to manage their health cover.
Support from claim to treatment
When an employee needs treatment, fast access to the right support can make all the difference. Our claims process focuses on the individual, helping them get the right care and return to work sooner. For complex cases, our clinical teams provide personalised support and guidance throughout the journey.
With Aviva, employees can:
- Start claims easily online 24/7 with MyAviva
Group Administrators can also track claims online. - Stay informed throughout their claim
With online tools that allow them to view claim information, track progress and upload documents securely. - Rely on clinical support
To get the right care and treatment plan.
Simplified scheme management
Options like Medical History Disregarded or New Moratorium include Healthpoint, offering your client's valuable tools to manage their healthcare plans.
Through Healthpoint, Administrators can:
- Review and update memberships in real time
- Download reports showing all primary and dependant members, claims history and membership activity
This puts your clients in control of their scheme's membership and saves time with simple, instant access.
To start using it, you just need to call 0345 3000 511 to register.
Support your clients can rely on
Optimum helps you support your clients when their employees need it most. Specialist pathways and clinical expertise ensure employees get the right care quickly while helping businesses manage absence and recovery effectively.
Flexible cancer cover with three levels to suit your client’s needs and budget
Whatever the level, employees gain timely access to diagnosis and treatment, reducing uncertainty.
They also receive:
- Support from a dedicated cancer support team
- Additional services throughout their cancer journey
- Access to talking therapies to support mental wellbeing, where available, for members and their loved ones
Our Cancer Pledge underpins this support, providing comprehensive care from diagnosis to aftercare. It includes specialist-recommended treatment and, where included in the chosen cover level, ongoing monitoring*.
*Monitoring is available on selected cover levels only. See our cancer enhancements brochure for more detail.
The way Aviva supported me during my diagnosis and ongoing treatment is worth an awful lot. Every person I spoke to was just so nice. They were like friends that you hadn’t spoken to in a long time, and that was something I found so incredible. They wished me well and they meant it.
Karin, Aviva Health customer since 2021.
BacktoBetter
Help your clients offer employees quick access to specialist support for back, neck, muscle and joint issues — without the need for a GP referral. BacktoBetter connects employees to qualified clinicians who assess their needs and guide them to the right treatment, speeding up recovery and boosting productivity.
Key benefits at a glance:
- Access expert musculoskeletal support without waiting for a GP referral
- Personalised assessment and clear guidance from a qualified clinician
- Flexible support options including telephone and digital consultations
- Eligible treatment funding, including physiotherapy when clinically appropriate
- Plus, any Physiotherapy delivered through BacktoBetter isn’t affected by out-patient limits or excesses
Looking to offer broader support?
BacktoBetter works seamlessly alongside other wellbeing and healthcare services available through Optimum, giving your clients a comprehensive solution.
Explore BackToBetter ""
Mental Health Pathway
Your client’s employees can access expert mental health support quickly and easily, no GP referral needed. Our clinically managed pathway guides them through prompt assessments to personalised treatment plans — designed around their unique needs.
Key benefits at a glance:
- Direct access to mental health specialists — psychologists, psychiatrists, therapists and counsellors
- Rapid assessment and personalised treatment plans
- Flexible appointment options including face-to-face, video, telephone or online sessions
- Dedicated case management to coordinate care and aid recovery
- Ongoing support to help employees manage wellbeing and confidently return to work
Need enhanced support?
Mental Health Pathway Plus offers extra help for addictions and chronic mental health conditions, giving your client even more comprehensive care options.
Watch this short video to see how we work with you and support your business
We’re here to support you at every stage, whether you’re shaping a solution for your client, progressing a claim or switching a client to Aviva.
Our trading relationship model brings specialist support across client management and propositions, so you can draw on approprirate expert help to deliver the right outcomes.
(All job titles in the videos were correct at time of filming in October 2023)
Transcript for video Ally Antel
We all know healthcare can be complicated. There’s a lot to consider, and it takes a team to bring it all together and ensure your clients can put their health and wellbeing first.
That’s why we’ve listened to you and worked tirelessly to set up our trading relationship model to support you, whether that’s on the phone or in person.
We know the PMI market has grown and we’re here to help you grow too! With our people, our propositions, and our expertise, you can count on us to work with you. And together, we can make health insurance click for more of your clients.
Whether it’s how Vicki and her team help shape the everyday trading support that just makes things easier, how Lisa and her propositions team are working to build health insurance products that respond to your clients’ changing needs today and, in the future, or how Dr Suba and our clinical team use their expertise to add value – these are just some of the ways in which we’re all here to help support you and your clients to make their health and wellbeing a priority.
Why reccommend Aviva?
Private healthcare is a valued perk that your clients’ employees will appreciate and stay loyal for. Our policies, products, and the comprehensive wellbeing support we provide empower you to offer your clients peace of mind, knowing their workforce is cared for without added stress on their business.
Choosing us means more than just managing claims - it means gaining access to timely, practical, emotional, and physical support that benefits your clients and their teams. And that’s just one of the many reasons to recommend our business private medical insurance to your clients.
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
Your client's 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, day or night.
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.
Ready to take the next step?
Whether your client is looking for flexible health cover, support for their employees or digital services that make healthcare easier to manage, Optimum offers a range of choices to help you create the right solution.
Flexible underwriting options
Choose from a range of underwriting choices designed to support different business needs and requirements:
- Full medical underwriting
- Moratorium
- Medical history disregarded
- Options for new and switching schemes
Helping you find an approach that works for your client's business.
Learn more about underwriting choices "Learn more about underwriting choices"
Looking to find out more?
When recommending health cover, you need more than a quote. Our team is here to help you find the right solution and support your client conversations.
- Expert support when you need it
- Guidance to find the right product for your client
We may record or monitor calls, and opening hours may differ depending on the team you need to speak to.
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.