Freedom Health Insurance Review
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Freedom Health Insurance Reviews
Let’s check out Freedom Health, a family-owned business founded in 2003 in Poole. They provide Private Medical Insurance for businesses and individuals, whether in the UK or abroad through their Worldwide plan. Now, when it comes to their main policy, Freedom Elite, our inside look reveals its key benefits.
The company is all about offering excellent service and support. So, if you’re after straightforward and reliable healthcare options with a family touch, Freedom Health Insurance might be your go-to choice.
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Quick Resume for Freedom Elite Policy
Freedom partners with various private healthcare facilities and hospitals across the UK, all approved and regulated by the Care Quality Commission. You get to choose your hospital and primary healthcare provider. If you don’t have a specific preference, they’ll match you with an available specialist closest to you.
Policy Benefits:
Our expert says…
“Private Medical Insurance is becoming increasingly more popular due to the longer waiting times through the NHS and most people assume PMI will not be affordable given the increased cost of living over the past 12 months. However, as an independent broker with access to the leading UK insurers such as Aviva, AXA and Bupa to name a few, there are hundreds of variations available at any one given time and therefore policies can be tailor-made to meet their requirements and budget.“
– Stuart Hendy, PMI expert
How does Freedom Health work?
Freedom partners with various private healthcare facilities and hospitals across the UK, all approved and regulated by the Care Quality Commission. You get to choose your hospital and primary healthcare provider. If you don’t have a specific preference, they’ll match you with an available specialist closest to you.
Once you’re covered with Freedom Health, reaching out is simple. You can contact them for free at 0800 999 2013, drop them an email at info@freedomhealthinsurance.co.uk, or chat with them online. You can obtain a policy directly from their website. If you prefer, one of our experts can help you through the process of setting up a policy with them.
To claim for an acute condition, first, get a referral from your GP. Then, contact Freedom for an authorisation letter, pay your excess, and start your private treatment. It’s a straightforward process to ensure you receive the necessary care.
What benefits do you get with Freedom Health insurance?
Here’s an additional benefit of Freedom Health. You can find the specific advantages of each policy later in our review.
- NHS Cash Benefit– If you decide to have NHS inpatient treatment for a condition covered by your Health Insurance, Freedom pays you £200 for each night spent in the hospital. For each day spent as an NHS day patient treatment covered under your plan, you get £100.
- Private Ambulance– This covers the cost of using a private road ambulance when you need it for medical reasons.
- Baby Bonus– You receive a cash benefit of £150 for each child born after the policy starts.
- Home Nursing– This helps pay for nursing care at home for up to 13 weeks, as advised by a specialist, right after an eligible inpatient and day patient procedure.
What is covered by Freedom health insurance?
Freedom Essential affordable health insurance
This budget-friendly option provides a fixed cash benefit when you’re admitted to the hospital. You can use this benefit for private treatment, both in the UK and abroad. Even if you choose an NHS hospital for treatment, you’ll still get 50% of the benefit to aid in your recovery.
Freedom Elite Comprehensive Health Insurance
This plan offers extensive coverage, including core coverage, enhanced cancer protection and the option to add extra benefits based on your needs.
Freedom Worldwide International Health Insurance
Tailored for those living or working abroad, this plan ensures coverage for private medical treatment. With five levels of cover to choose from, you can smoothly transition to a Freedom Elite health insurance plan upon returning to the UK, without any additional exclusions.
Freedom Essential
Freedom Essentials is an affordable option that gives you basic medical cover. It works more like a cash plan, offering essential benefits without breaking the bank.
Core Cover
Cash Benefits:
- Inpatient treatment
- Day-patient treatment
- Complications during pregnancy
- Dental procedures
- NHS cash benefits
- MRI, CT, and PET scans
- Cancer cash benefit
Optional cover
- Diagnostic tests requested by a GP
- Specialist fees and physiotherapy
- Outpatient procedures
- Routine dental treatment
- Optical costs
- Maternity cash benefit
NHS Cash Benefit
Under this plan, you will receive compensation equivalent to a 50% fixed cash payment for elective inpatient and day-patient treatments. Whether you opt for private treatment or receive care through the NHS, you are still eligible for the cash payment. The cash amount is determined based on the average treatment cost, excluding London hospitals from the calculation. The benefits are determined based on the national average cost.
Hospital List
With Freedom’s policy, you have access to inpatient and day-patient treatments at approved hospitals in the UK. Another benefit is that basic travel coverage is included, allowing you to use Freedom’s health insurance when you’re abroad. However, it’s important to note that this coverage doesn’t include expenses such as flight cancellations, hotels, or transportation.
Diagnostics, Tests and Scans
Freedom covers the full cost of consultations, tests, and scans, as long as the total doesn’t exceed £500. Any hospital treatments or tests need prior approval from Freedom. If your GP recommends a diagnostic test, it will be covered, but repeat scans are not included in the coverage.
Cancer Cash Benefits
You will receive a 50% cash benefit for chemotherapy and radiotherapy without any annual limit. This cash benefit can be utilised for active cancer treatment. Additionally, there is a £150 allowance for hospital stays. However, it’s important to note that the policy doesn’t provide complete coverage for cancer treatments.
Physiotherapy
Full coverage for physiotherapy treating acute health conditions is provided, with a personalised limit specified in the individual’s policy document. Approved specialists, who must be members of the Chartered Society of Physiotherapy and the Health and Care Professions Council, are required.
Pregnancy-Related Cash Back
You receive fixed cash benefits for pregnancy-related complications, covering treatments for issues such as stillbirth, miscarriage, retained placenta, postpartum haemorrhage, extrauterine pregnancy and hydatidiform mole. If outpatient treatment is needed for these complications, the costs will be covered within the outpatient benefit limits.
If you want to know more about Freedom Essentials, please check their product brochure.
Freedom Elite
Freedom Elite provides comprehensive health insurance similar to other health insurance providers such as AXA, Bupa and Vitality. Like these providers, the Freedom Elite plan allows you to tailor your plan according to your specific needs.
Core Cover
Freedom Elite gives you a good starting point for your insurance. It includes core cover for hospital treatments and full cover for cancer. You can then personalise the plan to fit your needs.
- Inpatient Cover
- MRI, CT and PET scans
- Consultation Fee
- Cancer Cover
- Private Ambulance
- Dental surgery
- Home Nursing
- Pregnancy complication
- Maternity cash benefit
- NHS cash benefit
Optional Cover
Freedom Elite provides additional choices with several optional benefit packages that you can add to the core cover
- Option to choose outpatient limit from up to £1500 and unlimited
- Mental Health Cover
- Therapies Cover
- Dental and Optical Cover
- Private GP
- GP Referred Diagnostics up to £750
Hospital List
Freedom Elite’s hospital list includes a variety of private hospitals across the UK, like BMI Healthcare, Nuffield Health, Spire Healthcare, and Ramsay Health Care. There are also local providers, independent hospitals and NHS hospitals with private facilities.
If you want coverage for HCA hospitals, you need to pick the London Plus hospital list. With London Plus, not only do you get access to top London hospitals, but you can also use diagnostic centres, outpatient clinics and specialist treatment centres across the UK. For more information on the hospital list, please check here:
Optional Add-Ons
The plan covers dental, optical, and private GP costs, but there is a compulsory excess of £50 per insured person for each insurance period.
Therapies- Alternative therapies are covered, but if referred by a GP, the coverage is limited to six sessions for all listed therapists combined, with the coverage amount ranging from £750 to £1,500 based on the chosen level of cover.
Dental costs– routine dental costs for maintaining oral hygiene are covered up to £300. Accidental dental injury treatment or relief of severe acute pain is covered up to £600.
Optical costs– including eye tests, prescription glasses, and contact lenses, are covered up to £200, but only if the optician issues a new or amended prescription due to changes in eyesight.
Mental Health- Charges for services provided by a psychiatric specialist and hospital related to inpatient outpatient and day-patient treatment related of acute mental health conditions or psychiatric illnesses are eligible for a full refund for up to 45 days for inpatient and day-patient care. Outpatient treatment is covered up to £2,000.
Private GP costs for consultations, diagnostic tests and minor surgery in the GP’s own surgery are also covered.
Cancer Cover
Freedom Elite’s cancer cover includes expenses related to active cancer treatment, encompassing diagnosis, surgery, chemotherapy, radiotherapy, genetic testing, targeted therapies and more. They extend cover to primary and secondary cancers as well as palliative care for end-stage cases.
However, Freedom does not cover experimental or unproven treatments, unlicensed drugs, preventative treatments or take-home medications. Their commitment is to pay for specialised consultations, diagnostic tests, and approved cancer treatments, along with continuous monitoring by a specialist post-active treatment completion for the duration of the policy.
Underwriting options
Underwriting options available to you include:
Full Medical Underwriting (FMU), requires you to disclose your complete medical history for a thorough risk assessment.
Moratorium Underwriting involves excluding pre-existing conditions for a specified period from the start of your health insurance policy.
Continued Personal Medical Exclusions (CPME), exclusions from a previous policy are carried over to your new one. Switch Moratorium Underwriting is tailored for you if you’re switching insurers.
Medical History Disregarded (MHD) is a more lenient option, disregarding your medical history if you meet specific health criteria.
Freedom Worldwide
Freedom Worldwide offers an international private medical insurance plan with five levels of cover to cater to the diverse needs of clients living and working abroad:
| Bronze (500,000 €/£/$) | ♡ Inpatient and day-patient treatment ♡ Cancer cover ♡ Outpatient treatment coverage up to 1,000 ♡ Repatriation services ♡ Compassionate emergency visit benefit |
| Silver (500,000 €/£/$) | ♡ Inpatient and day-patient treatment ♡ Cancer cover ♡ Hospital fees ♡ Outpatient treatment coverage up to 1,500 ♡ Repatriation services ♡ Compassionate emergency visit benefit |
| Gold (750,000 €/£/$) | ♡ Inpatient and day-patient treatment ♡ Comprehensive cancer cover ♡ Outpatient treatment coverage up to 2,500 ♡ Dental treatment coverage of up to 500 ♡ Repatriation services ♡ Maternity cover up to 2,500 ♡ Accidental death benefit of 100,000 ♡ Emergency medical cover (outside the coverage area) – maximum 30 days, up to 30,000 ♡ Compassionate emergency visit benefit |
| Platinum (1,000,000 €/£/$) | ♡ Inpatient and day-patient treatment ♡ Extensive cancer cover ♡ Outpatient treatment coverage up to 5,000 ♡ Dental treatment coverage up to 1,000 ♡ Repatriation services ♡ Maternity cover up to 5,000 ♡ Accidental death benefit of 100,000 ♡ Emergency medical cover (outside the coverage area) – up to 60 days, up to 40,000 ♡ Compassionate emergency visit benefit |
| Diamond (2,000,000 €/£/$) | ♡ Inpatient and day-patient treatment ♡ Comprehensive cancer cover ♡ Full coverage for outpatient treatment ♡ Dental treatment coverage up to 3,000 ♡ Repatriation services ♡ Maternity cover up to 7,500 ♡ Accidental death benefit of 100,000 ♡ Emergency medical cover (outside the coverage area) – up to 90 days, up to 50,000 ♡ Compassionate emergency visit benefit |
For more details on Freedom’s worldwide cover check their brochure or Contact us and one of our dedicated health insurance brokers will guide you through
What does Freedom exclude?
As with many health insurance policies, Freedom Health does not cover certain conditions. While the list is not exhaustive, exclusions include
- Pre-existing medical conditions.
- Long-term or chronic conditions.
- Accident or emergency admissions.
- Congenital abnormalities.
- Cosmetic treatment, healthy tissue removal and weight loss treatments.
- Experimental or unproven treatment.
- Failure to follow medical advice or take reasonable care.
- Infertility investigations and assisted reproduction.
- No GP referral
- Overseas treatment.
- Pregnancy complications and childbirth
- Professional sports and certain hazardous activities.
- Dental treatment (except for the listed surgical procedures).
- Screening, monitoring and preventative treatment.
- Transplants.
- Varicose veins – unless they meet the required clinical criteria.
How much does Freedom’s private health insurance cost?
In January 2024, our health insurance agents conducted a comprehensive market review across the UK, providing Elite plan prices for individuals aged 30 and 60, mid-age couples, and families of five. Notably, Freedom Health ensures uniform pricing nationwide, independent of postcodes. For Elite plans, featuring a £100 excess and unlimited outpatient cover per year, Standard hospital list and moratorium underwriting option. These prices do not include any additional add-ons such as mental health treatments and dental covers:
Individuals:
20 years old- £57.16 per month
40 years old- £64.42 per month
60 years old- £169.67 per month
Couple
£180.52 per month
Family of 5
£268.99 per month
*Oldest child is 12 years old.
Important Note:
- Prices are consistent across the UK and remain unaffected by postcodes.
- The provided prices are accurate as of January 2024. For the most up-to-date quotes and information, please contact us.
Tips for Cost Reduction
Freedom Health Insurance cost can be reduced in a few different ways:
Annual Payment Discount
Opt for an annual payment and save 6% on your premium. Paying for the entire year in advance can lead to significant savings.
Family Discount- you pay for only one child
Pay for health insurance for yourself and your family. You’ll only be charged for the first child. This applies to children living with you up to the age of 29, offering substantial savings if they are still part of your household.
Voluntary Excess
Consider including a voluntary excess to further reduce premiums. The discounts are as follows:
- £100 excess: 10% discount
- £250 excess: 15% discount
- £500 excess: 22.5% discount
- £1,000 excess: 35% discount
Alternatively, save money and get the right personal health insurance plans by talking to PremierPMI’s health insurance experts. They’re here for you, making sure you get the best benefits at the lowest cost.
Summery
Choosing Freedom Health Insurance means opting for a reliable and comprehensive healthcare solution. Their main plan, Freedom Elite, has great benefits like advanced cancer treatments and 24/7 access to a virtual doctor. Having a helpful and quick-to-respond customer service team makes Freedom Health Insurance even more attractive.They also promise exceptional customer service, answering calls in just 1 minute. Whether you’re in the UK or abroad, Freedom Health Insurance offers reliable healthcare options. Their straightforward claims process and fair pricing make them a trusted choice for individuals and businesses looking for private medical insurance policies.
SOURCES
https://www.macmillan.org.uk/about-us/what-we-do/research/cancer-statistics-fact-sheet/
https://www.lasereyesurgeryhub.co.uk/data/cataract-statistics/
https://www.mytribeinsurance.co.uk/knowledge/private-medical-treatment-costs/
https://prohealthclinic.co.uk/blog/hip-replacement-cost-uk/
https://www.spirehealthcare.com/spire-little-aston-hospital/treatments/a-z/skin-cancer-treatment/
https://www.england.nhs.uk/2018/11/first-children-with-cancer-to-begin-treatment-with-revolutionary-car-t-therapy/
Frequently Asked Questions
How to get a Freedom health insurance quote?
If you’re looking to buy health insurance, just reach out to us. Our experts can give you personalised health insurance quotes for different plans, including those from Freedom Health. They’ll help you find the best one and guide you through the entire process.
Have any questions?
Send us a message and one of our dedicated advisors will contact you shortly.
