Introduction
Optimum Global Limited is a UK-based international insurance specialist providing health and travel cover to expatriates, globally mobile families, and companies worldwide. Operating from Haywards Heath, West Sussex, and authorised and regulated by the Financial Conduct Authority, Optimum Global describes itself as a dynamic, growing business whose people have built successful careers in international health insurance and employee benefits.
The company’s focus is not administration and paperwork — it is making things as easy as possible for members during their time of need, which is why it works only with market-leading assistance companies. Its portfolio is reinsured through recognised, financially strong partners including AXA PPP healthcare, Lloyd’s of London, Hannover Re, and Gen Re. Distribution is deliberately selective: a small, hand-picked network of respected brokers who understand their customers’ needs and local market conditions. Navigator Insurance Brokers is proud to be an appointed distribution partner for Optimum Global in Hong Kong.
| Head OfficeHaywards Heath, UK | RegulationFCA — FRN 453654 | Product LinesHealth & Travel | ReinsuranceAXA · Lloyd’s · Hannover Re |
Partners & Reinsurers
AXA PPP healthcareLloyd’s of LondonHannover ReGen ReAXA AssistanceMSO InternationalMCIHealthcase
History Milestones
| 2004 | Optimum Global Limited incorporated in England and Wales (company no. 05347793). |
| FCA | Authorised and regulated by the Financial Conduct Authority for insurance mediation activities (FRN 453654). |
| Growth | International health portfolio developed with AXA PPP healthcare, Lloyd’s of London, Hannover Re and Gen Re as reinsurance partners. |
| Today | Individual, group and travel solutions distributed through a hand-picked network of specialist brokers worldwide. |
Key Products
Navigator Insurance Brokers distributes two Optimum Global product lines. Both are backed by 24/7 multilingual emergency assistance and direct-billing arrangements.
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AXA-backed · 5 plan tiersInternational Health Insurance
Flexible worldwide medical cover for expats, families and companies. Choose from five plan levels, regional or global areas of cover, and cost-control options. Key Advantages
Our Products EmeraldSapphireRubyJadeDiamond |
Single trip · Annual multi-tripTravel Insurance
Award-winning travel protection with high medical limits, trip protection and 24/7 emergency assistance — for a weekend getaway or a six-month adventure. Key Advantages
Our Products Single TripAnnual Multi-TripWinter SportsAdventure Sports |
Q&A
Who underwrites Optimum Global plans?
Optimum Global works with recognised, financially strong reinsurance partners including AXA PPP healthcare, Lloyd’s of London, Hannover Re and Gen Re, with assistance delivered through AXA Assistance, MSO International and MCI.
Which health plan should I choose?
Emerald covers core inpatient care and evacuation for budget-conscious expats. Sapphire raises inpatient limits with full cancer cover. Ruby adds outpatient consultations, diagnostics and therapies. Jade broadens outpatient benefits with child and preventive care. Diamond is the top tier with the highest limits.
Can I reduce my premium?
Yes. An inpatient deductible can lower your premium by up to 50%, and an outpatient co-pay gives a 10–20% discount. Narrowing your area of cover — Worldwide excluding USA rather than Worldwide — also reduces cost.
What are the travel insurance age limits?
Single trip cover is available up to age 84 and annual multi-trip up to age 79. Members aged 75 and over are limited to a maximum trip duration of 60 days on an annual policy.
Are pre-existing conditions covered?
On travel policies, pre-existing conditions are excluded unless accepted in writing — the definition includes any condition treated, medicated or advised on in the past five years. On health plans, benefits are subject to underwriting and waiting periods.
How do I get emergency assistance abroad?
Optimum Global operates a 24/7 multilingual emergency hotline on +1 305 893 9433. In most hospitalisation cases payment is made directly to the facility, so you do not need to use your own funds.
Interested in Optimum Global cover?
Let Navigator Insurance Brokers find the right Optimum Global health or travel plan for you, your family, or your team.
crew@navigator-insurance.com | +852 2530 2530 | WhatsApp
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