Freedom Health Insurance Review

Freedom Health Insurance

Freedom Elite



Company Type

Limited Company

Company Overview

From its headquarters in Bournemouth, Freedom Health Insurance offers Private Medical Insurance to businesses and individuals.

Freedom offers cover for private GP services to its clients as an optional extra.

In 2015, Freedom won the Best Customer Service Award at the Health Insurance Awards that year.

As well as Freedom Elite, Freedom provides Freedom Your Choice as a low-cost Health Insurance for individuals, couples and families with children. Meanwhile, its Freedom Worldwide Health Insurance provides comprehensive Medical Insurance to those working abroad.


freedom health insurance terms and conditions

freedom Health Insurance key facts

freedom PMI Hospital list

Freedom Private Health Insurance Overview

Freedom’s individual Health Insurance was launched in 2003. Unlike many PMI providers, Freedom provides access to private GPs as an optional extra, fees for which are covered up to a set policy limit.

  • Freedom Elite is a comprehensive modular product with the option to increase the level of outpatient treatment and include therapies/alternative therapies, psychiatric treatment, private GP and dental and optical benefits.
  • The Elite policy covers cancer treatment in full as standard.
  • Freedom’s Hospital List provides nationwide coverage with the option to extend coverage to specific sought after London Hospitals.
  • Freedom provide a range of underwriting options including full medical underwriting (FMU), moratorium and for switching your existing plan continued personal medical exclusions.

Enjoy 2 Months FREE Cover

By reaching this page you are eligible for two months FREE cover when you set-up your new Health Insurance policy.

Simply fill in the form below to apply your two months free discount or call us on 02074425880 and state the code VC2MF.

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Freedom Health Insurance Policy Conditions

Key Policy Facts


  • Full Medical Underwriting
  • Moratorium
  • Continued Personal Medical Exclusions.


Voluntary Excess
£100 / £250 / £500 / £1,000

Minimum Entry Age


Maximum Entry Age


Core Cover

Inpatient Treatment

Hospital and specialist fees
Covers all fees charged by hospitals for accommodation, nursing care, diagnostic tests and scans relating to your admission, as well as specialists’ fees, including for surgeons and anaesthetists etc.

Dental / oral surgery
Resetting a tooth in the jaw due to accidental injury; treatment of jaw bone cysts; apicectomy; surgical removal of impacted / buried teeth and complicated buried roots

Cancer Cover

  • Diagnostic tests / scans, even if the policy has no outpatient cover
  • Surgery
  • Chemotherapy / radiotherapy / hormonal therapy / biological therapy
  • Treatment for side effects of chemo/radiotherapy
  • Reconstructive surgery
  • Stem cell therapy
  • Bone strengthening drugs
  • £250 towards wigs
  • Palliative care
We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.
Optional Additional Cover

Outpatient Treatment

Diagnostic tests and scans requested by GPs
Up to £750 (no cover for MRI, CT or PET scans requested by a GP)

Specialist fees and physiotherapy
Up to £1,500 / Full Refund for consultations with a specialist; minor surgical procedures not needing a hospital stay; diagnostic tests

Therapies / Alternative Therapies

£750 / £1,500
Acupuncture, chiropractic care, homeopathy, osteopathy, podiatry

Psychiatric Care

£10,000 for inpatient / day-patient treatment; £1,000 for outpatient treatment

Dental, Optical & Private GP Cover

Subject to a £50 compulsory excess:

  • Routine dental costs – up to £300
  • Accidental dental injury – up to £600
  • Routine optical costs – up to £200
  • Private GP costs – up to £300
We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.

Additional Benefits

  • Maternity cash benefit
    £150 per newborn child
  • Home nursing care
    Up to 13 weeks
  • Private Ambulance
    Full cover where medically necessary
  • NHS Cash Benefit
    • £200 per night for elective inpatient stays
    • £100 per day for elective day-patient treatment
  • Parent Accommodation
    Accommodation for a parent accompanying a child aged 18 or under

Drewberry Reviews Health Insurance from Freedom

Freedom’s Elite Health Insurance allows you to add on an optional benefit to cover routine dental and optical treatment, similar to a Health Cash Plan.

Key Comparison Points

  • Freedom Health Insurance covers children as dependants up until their 25th birthday and they can be added up until their 24th birthday, which is later than many other insurers.
  • Freedom provides a 6% discount if you pay your premiums annually rather than monthly.
  • Freedom’s Elite PMI policy sets out the discount you’ll receive for setting a particular excess in its policy documents, e.g. a £250 excess will result in a 15% premium reduction.
  • Freedom will not pay for expensive diagnostic outpatient scans, such as MRI, CT or PET scans, if they’re requested by a GP. You must be referred by an approved specialist for such scans.
  • Freedom’s Cancer Cover will pay for diagnostic tests/scans for cancer, even if you have no outpatient cover on your policy.

Financial Strength

As a provider of both Travel Insurance and Private Medical Insurance, Freedom is a diversified operation. It has partnerships with a number of major private healthcare providers, including the sought after Spire, BMI Healthcare and Nuffield Health brands.

Freedom Health Insurance: Questions and Answers

At Drewberry, we have made it our missions to know all of the ins and outs of these policies, putting us in the best position to help you find the right policy.

Below, we have put together some of the top Health Insurance FAQs and given our answers. If you need our help finding the best policy or would just like to know more, contact us today on 02074425880.

Q. How much will my premium be reduced by if I add an excess?

A. As well as the 6% saving for paying your premiums annually, Freedom lays out the following reduction in individual PMI premiums given a specified excess:


Premium Discount









Q. What sorts of treatments and conditions are not covered by Freedom Health Insurance?

A. As is typical with most Health Insurance policies, chronic conditions won’t be covered by Freedom, and nor will pre-existing conditions you’ve suffered from (typically in the 5 years prior to taking out the policy).

Other treatments, conditions and situations not covered include: A&E admissions; congenital abnormalities; cosmetic treatment; experimental treatment; infertility treatment; treatment without a GP referral; non-complicated pregnancy and childbirth; organ transplants; and surgical removal of varicose veins (unless they meet the required clinical criteria).

Need Expert Health Insurance Advice?

As you can see, there are a lot of points to consider when comparing insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?

Why Speak to Us…

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 2872 and growing independent client reviews rating us at 4.92 / 5.
  • Gain the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.
Nadeem Farid Head of Employee Benefits at Drewberry

If it is all getting a little confusing and you want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.

Pop us a call on 02074425880 or email

Nadeem Farid
Head of Employee Benefits at Drewberry

I had a great experience with Drewberry, they have a lot of knowledge and expertise with life insurance and income protection and were able to advise me and arrange suitable products. Highly recommend.

Lachlan Mellings
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Frequently Asked Private Medical Insurance Questions
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Drewberry Ltd registered office: Telecom House, Preston Road, Brighton, England, BN1 6AF. Telephone 0208 432 7333

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