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Freedom Health Insurance Review

Freedom Health Insurance

Freedom Elite

Founded

2003

Company Type

Limited Company

Company Overview

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

Freedom Health Insurance

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.

Documentation

freedom health insurance terms and conditions   freedom Health Insurance key facts   freedom PMI Hospital list

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overview of Freedom Elite personal healthcare

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.

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Freedom Health Insurance policy conditions

Freedom Health Insurance Policy Conditions

Key Policy Facts

Underwriting

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

Excess

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

Minimum entry age

18

Maximum entry age

70

Core Cover
 

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 Accomodation
Accommodation for a parent accompanying a child aged 18 or under

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.
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Drewberry reviews Freedom Health Insurance

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.

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Rauri was easy to talk to. Explained everything really well. Took prompt action when requested and was in touch when he said he would be without being pushy.

Robert Eldridge
07/06/2018
 

Freedom Health Insurance: Questions and Answers

Emma Wilson, Employee Benefits Consultant at Drewberry

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 01273646484.

Emma Wilson
Employee Benefits Consultant at Drewberry

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:

Excess

Premium Discount

£100

10%

£250

15%

£500

22.5%

£1,000

35%


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).

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Compare Top 10 UK
 Health
Insurers
 
Takes approx. 60 seconds
Level of Cover
Excess
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02074425880
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Frequently Asked Private Medical Insurance Questions

 
There are a number of good private hospitals in my area and I want to know if I can receive treatment...
 
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