Freedom Health Insurance reviewed: plans, hospital lists, excess, underwriting and who underwrites it, sourced from Freedom's own documents. Our 2026 rating.
Freedom Health Insurance Review
Freedom Health Insurance UK private medical insurance review — cover, hospital list, underwriting, claims and pricing from PremierPMI.
What Freedom Health Insurance cover includes
A specialist UK PMI insurer offering modular personal cover — Elite, Essentials and Worldwide.
Freedom Health Insurance is a trading name of Freedom Healthnet Limited, a Poole-based UK health insurer (Freedom Health Insurance, about us, checked 15 Oct 2026). It sells three personal products: Freedom Elite (comprehensive, full-refund cover), Freedom Essentials (a fixed cash benefit plan) and Freedom Worldwide (international PMI for people living or working abroad), each built around a core cover with optional extras (Freedom Health Insurance, freedomhealthinsurance.co.uk, checked 15 Oct 2026). Freedom does not publish a price example on its public site, so we confirm pricing at quote, by age, postcode, cover and excess. Freedom doesn't price UK personal policies by postcode, so clients in London pay the same as clients elsewhere for the same cover; the trade-off is that some central London hospitals are only included if the London Plus hospital list extension is bought for an extra premium (Freedom Health Insurance, Freedom Elite and Elite Hospital List, checked 15 Oct 2026).
Freedom Health Insurance at a glance
- Established: Freedom Healthnet Limited, incorporated 30 June 2003 (Companies House 04815524).
- Head office: Registered office: 4th Floor County Gates House, 300 Poole Road, Poole BH12 1AZ.
- Regulation: Freedom Healthnet Limited is authorised and regulated by the Financial Conduct Authority (FRN 312282, FCA Register, checked 15 Oct 2026).
- Best suited to: Clients wanting a modular budget-conscious plan; Buyers who value a direct claims conversation; Internationally mobile clients needing Worldwide cover
- Indicative starting premium: Price on quote
- PremierPMI broker rating: 3.9 out of 5
- Legal entity: Freedom Healthnet Limited, Companies House 04815524, incorporated 30 June 2003 (Companies House, checked 15 Oct 2026)
- Flagship products: Freedom Elite · Freedom Essentials · Freedom Worldwide
- Digital GP: Kry (formerly Livi), 24/7 phone or video, renamed from 15 Sep 2026 (Freedom Health Insurance, Freedom Digital GP, checked 15 Oct 2026)
- Underwriters: Policy summaries and IPIDs name HDI Global Specialty SE, Starr International (Europe) Limited and HCC International Insurance Company plc ('HCCII', trading as Tokio Marine HCC); Freedom administers the policy. We confirm which insurer underwrites each specific policy on the certificate of insurance (Freedom Elite and Essentials Policy Summaries and IPIDs, checked 15 Oct 2026).
- NHS cash benefit (Elite): £200 a night for elective inpatient treatment; £100 a day for elective day-patient treatment (Freedom Elite, checked 15 Oct 2026)
Freedom Health Insurance plan tiers compared
| Plan | Positioning | Typical use / limits |
|---|---|---|
| Freedom Essentials | A fixed cash benefit, with no published annual limit, for eligible inpatient and day-patient treatment under a self-pay contract; 50% of the benefit is still paid if treated on the NHS instead (Freedom Health Insurance, Freedom Essentials, checked 15 Oct 2026). | Budget-conscious clients wanting a cash contribution towards private treatment or the NHS. |
| Freedom Elite | Comprehensive UK private medical insurance: specialist fees, hospital fees and diagnostic tests paid in full at hospitals on the chosen list, plus cancer cover, with optional outpatient, mental health, alternative therapies, and dental/optical/private GP modules (Freedom Health Insurance, Freedom Elite, checked 15 Oct 2026). | Clients wanting a fuller PMI alternative to AXA, Bupa or Vitality. |
| Freedom Worldwide | International private medical insurance with five cover levels (Bronze, Silver, Gold, Platinum, Diamond) for people living or working abroad, priced in £, $ or € (Freedom Health Insurance, Worldwide, checked 15 Oct 2026). | Internationally mobile clients, not ordinary UK-only PMI buyers. |
Freedom Health Insurance hospital access and network
Freedom Elite's hospital list determines which hospitals are covered in full; a London Plus hospital list extension can be added for an extra premium to include a small number of central London private hospitals (Freedom Health Insurance, Freedom Elite and Elite Hospital List, checked 15 Oct 2026). Freedom does not publish a total hospital count, so we confirm the hospitals on a client's quoted list before recommending Freedom.
Underwriting basis
- Freedom's switch moratorium route can take over the remaining moratorium for applicants under 71, on sight of the previous certificate of insurance (Freedom, Medical Underwriting Explained, checked 15 Oct 2026).
- Full Medical Underwriting is also offered; Freedom's continued personal medical exclusions route can carry over existing exclusions for applicants under 71, and Freedom may add further exclusions of its own.
- We confirm which underwriting terms and which underwriter apply on the certificate of insurance before a client switches.
Indicative Freedom Health Insurance premiums by age
Illustrative desk figures, not quotes — every premium is individually underwritten.
Making a claim
Typical pre-authorisation turnaround: Not published; Freedom asks members to call the claims helpline before treatment to confirm cover.. App: Kry app (digital GP) and Freedom Member Portal. Escalation route: If a claim stalls, we contact Freedom Health Insurance on your behalf and keep you updated..
- Kry app for 24/7 phone or video GP consultations, electronic prescriptions and secure clinical records.
- Freedom Diagnostics route to X-ray and ultrasound scans via Scan.com for eligible members.
- Freedom Dermatology skin lesion pathway without a GP referral, subject to an eligibility check.
Cover detail our brokers check first
- Mental health: Optional on Freedom Elite: inpatient and day-patient treatment for acute mental health conditions plus outpatient consultations and treatment. Not included on Freedom Essentials' core cover on the pages we checked.
- Cancer pathway: Freedom Elite's core cover includes active cancer treatment, diagnosis, surgery, chemotherapy, radiotherapy and follow-up monitoring for as long as the policy is held. Freedom Essentials does not include full cancer cover; it pays a cancer cash benefit instead (50% of the fixed cash benefit for inpatient/day-patient cancer treatment, plus £150 per chemotherapy or radiotherapy hospital visit).
- Digital GP: Kry (formerly Livi) provides 24/7 phone or video GP consultations for UK-based Freedom Elite, Essentials and Your Choice policyholders aged 1 and over, booked through the Kry app; Livi was rebranded to Kry from 15 September 2026 with no change to clinicians or app login (Freedom Health Insurance, Freedom Digital GP, checked 15 Oct 2026).
- Dental & optical: Available as an optional benefit on Freedom Elite (private GP, dental and optical fees) and as part of the optional outpatient package on Freedom Essentials (routine dental and optical costs); limits are not published on the pages we checked and are confirmed at quote.
- Family options: Family policies with three or fewer children only pay for the first child, and the maximum charge is capped at four children (Freedom Health Insurance, Why Choose Freedom Health Insurance, checked 15 Oct 2026).
- International cover: Freedom Worldwide is a separate international PMI product with five tiers (Bronze to Diamond), priced in £, $ or € across three cover areas (Europe, worldwide excluding the USA, or worldwide); members can usually transfer to Freedom Elite on return to the UK (Freedom Health Insurance, Worldwide, checked 15 Oct 2026).
Where Freedom Health Insurance stands out
- Modular product design across Elite, Essentials and Worldwide — clients can choose cover that fits rather than a single fixed package.
- Freedom Elite's core cover includes cancer treatment, diagnosis, surgery, chemotherapy, radiotherapy and follow-up monitoring for as long as the policy is held, rather than as an optional extra (Freedom Health Insurance, Freedom Elite, checked 15 Oct 2026).
- Freedom Worldwide lets expats transfer to a UK Freedom Elite policy on return to the UK under the same terms as their Worldwide policy (Freedom Health Insurance, Worldwide, checked 15 Oct 2026).
Watch-outs before you buy
- Freedom does not publish a price example on its public site; fromPrice here is 'Price on quote' and we confirm cost at quote.
- Some central London hospitals require the London Plus hospital list extension at extra cost; we check this before recommending Freedom to London-based clients.
- Underwriter varies by policy (HDI Global Specialty SE, Starr International (Europe) Limited or HCC International Insurance Company plc); we confirm the specific underwriter on the certificate of insurance rather than assuming one.
Switching to Freedom Health Insurance
| Switching from | What to check |
|---|---|
| Any UK insurer with moratorium underwriting | Freedom's switch moratorium route can take over the remaining moratorium for applicants under 71, on sight of the previous certificate of insurance (Freedom, Medical Underwriting Explained, checked 15 Oct 2026). |
| Any UK insurer with full medical underwriting | Freedom's continued personal medical exclusions route can carry over existing exclusions for applicants under 71; Freedom may add further exclusions of its own. |
| Freedom Worldwide | Freedom's own site says members can transfer to Freedom Elite when they return to the UK under the same terms as their Worldwide policy. |
Freedom Health Insurance for businesses and groups
| Company size | Positioning | Broker note |
|---|---|---|
| Sole trader / director-only | Freedom Health Insurance priced as a personal PMI policy paid via the limited company where allowable — treated as a P11D benefit in kind at HMRC's discretion. | For most single-director firms we place personal cover and route the invoice through the company. Speak to your accountant on the BIK treatment. |
| 3–20 lives (small SME) | Freedom Health Insurance group scheme — one master policy, one renewal date, medical history disregarded (MHD) usually available at 5+ lives. | This is the sweet spot for growing businesses. MHD from day one removes the biggest friction point for new hires. |
| 20–500 lives (mid-market) | Freedom Health Insurance corporate — bespoke plan design, dedicated account manager, wellness and claims MI reporting typically included. | PremierPMI runs a full tender at renewal — we do not accept 'roll the incumbent' pricing without a market check. |
PremierPMI broker desk notes
- We check the hospitals and hospital list included on every Freedom quote, because the London Plus extension is one of the main ways cover differs by postcode need.
- We confirm the specific underwriter named on the certificate of insurance for each Freedom policy before a client relies on it.
Freedom Health Insurance compared with other insurers
| Versus | Broker verdict |
|---|---|
| Aviva | Both offer modular cover; we confirm current published prices for both at quote rather than assuming either is cheaper. |
| WPA | Both are specialist UK insurers; WPA is a mutual with open consultant choice, Freedom offers a cash-benefit Essentials option WPA does not. |
| Bupa | Bupa's hospital and cancer network is larger; Freedom's Essentials cash-benefit plan gives a lower-cost alternative for budget-conscious clients. |
Broker verdict
Freedom is a specialist option when a client wants a modular product — Elite, Essentials or Worldwide — rather than a single fixed package; we confirm the current underwriter, hospital list and price on every quote.
Best for: Modular cover across Elite, Essentials and Worldwide.
Freedom Health Insurance is the trading name of Freedom Healthnet Limited, a UK health insurer based in Poole, Dorset, authorised and regulated by the FCA (FRN 312282). It sells three personal products — Freedom Elite, Freedom Essentials and Freedom Worldwide — and does not price UK personal policies by postcode. PremierPMI confirms the current underwriter, hospital list and pricing on every quote.
Common questions
Is Freedom Health Insurance FCA-regulated?
Yes. Freedom Health Insurance is a trading name of Freedom Healthnet Limited, which is authorised and regulated by the Financial Conduct Authority, registration number 312282 (FCA Register and Freedom Health Insurance Privacy Policy, checked 15 Oct 2026).
How much does Freedom Health Insurance cost per month?
Freedom does not publish a price example on its public site, so price depends on age, postcode, product, cover options and excess, confirmed at quote (not published; confirmed with Freedom Health Insurance, checked 15 Oct 2026).
Who underwrites Freedom Health Insurance policies?
Freedom's published policy summaries for Elite and Essentials name HDI Global Specialty SE, Starr International (Europe) Limited and HCC International Insurance Company plc ('HCCII', trading as Tokio Marine HCC) as underwriters, with Freedom administering the policy (Freedom Elite and Essentials Policy Summaries and IPIDs, checked 15 Oct 2026). We confirm the specific underwriter for each policy on the certificate of insurance.
Does Freedom cover expats returning to the UK?
Freedom's own site states that Worldwide policyholders can usually transfer to a Freedom Elite policy when they return to the UK under the same terms as their Worldwide policy (Freedom Health Insurance, Worldwide, checked 15 Oct 2026).
Is Freedom Health Insurance FCA-regulated?
Yes. Freedom Health Insurance is a trading name of Freedom Healthnet Limited, which is authorised and regulated by the Financial Conduct Authority, registration number 312282 (FCA Register and Freedom Health Insurance Privacy Policy, checked 15 Oct 2026).
Who underwrites Freedom Health Insurance policies?
Freedom's published policy summaries for Elite and Essentials name HDI Global Specialty SE, Starr International (Europe) Limited and HCC International Insurance Company plc ('HCCII', trading as Tokio Marine HCC) as underwriters, with Freedom administering the policy; the individual Freedom Elite IPID we checked names HCCII specifically, FRN 202655 (Freedom Elite and Essentials Policy Summaries and IPIDs, checked 15 Oct 2026). We confirm which insurer underwrites the specific policy on the certificate of insurance.
Does Freedom cover expats returning to the UK?
Freedom's own site states that Worldwide policyholders can usually transfer to a Freedom Elite policy when they return to the UK under the same terms as their Worldwide policy (Freedom Health Insurance, Worldwide, checked 15 Oct 2026).
What does Freedom Health Insurance cover?
Freedom Health Insurance is a trading name of Freedom Healthnet Limited, a Bournemouth/Poole-based UK health insurer (Freedom Health Insurance, about us, checked 15 Oct 2026). It sells three personal products: Freedom Elite (comprehensive, full-refund cover), Freedom Essentials (a fixed cash benefit plan) and Freedom Worldwide (international PMI for people living or working abroad), each built around a core cover with optional extras (Freedom Health Insurance, freedomhealthinsurance.co.uk, checked 15 Oct 2026).
Freedom doesn't price UK personal policies by postcode, so clients in London pay the same as clients elsewhere for the same cover; the trade-off is that some central London hospitals are only included if the London Plus hospital list extension is bought for an extra premium (Freedom Health Insurance, Freedom Elite and Elite Hospital List, checked 15 Oct 2026). We check which hospitals are on a client's quoted list before recommending Freedom.
- Freedom Elite's core cover pays eligible specialist fees, hospital fees and diagnostic tests in full, plus cancer cover, NHS cash benefit, home nursing, a private road ambulance and a maternity cash benefit (Freedom Health Insurance, Freedom Elite, checked 15 Oct 2026).
- Freedom Essentials pays a fixed cash benefit for eligible inpatient and day-patient treatment, with no published annual limit on how many times it can be claimed, plus a cancer cash benefit (Freedom Health Insurance, Freedom Essentials, checked 15 Oct 2026).
- Freedom Worldwide runs five tiers — Bronze, Silver, Gold, Platinum and Diamond — priced in £, $ or € and covers three areas: Europe, worldwide excluding the USA, or worldwide (Freedom Health Insurance, Worldwide, checked 15 Oct 2026).
Freedom product options
Freedom's own site lists three personal products. They work differently from each other, so they shouldn't be compared on price alone.
Source: Freedom Health Insurance, freedomhealthinsurance.co.uk (/elite, /essentials, /worldwide-international-health-insurance, checked 15 Oct 2026).
| Product | What it is | Best fit |
|---|---|---|
| Freedom Essentials | A fixed cash benefit, with no published annual limit, for eligible inpatient and day-patient treatment taken under a self-pay contract; 50% of the benefit is still paid if the member is treated on the NHS instead (Freedom Health Insurance, Freedom Essentials, checked 15 Oct 2026). | Budget-conscious clients who want a cash contribution towards private treatment or the NHS. |
| Freedom Elite | Comprehensive UK private medical insurance: specialist fees, hospital fees and diagnostic tests paid in full at hospitals on the chosen list, plus cancer cover, with optional outpatient, mental health, alternative therapies, and dental/optical/private GP modules (Freedom Health Insurance, Freedom Elite, checked 15 Oct 2026). | Clients wanting a fuller PMI alternative to AXA, Bupa or Vitality. |
| Freedom Worldwide | International private medical insurance with five cover levels, for people living or working abroad, denominated in £, $ or € (Freedom Health Insurance, Worldwide, checked 15 Oct 2026). | Internationally mobile clients, not ordinary UK-only PMI buyers. |
Freedom Elite core cover, as published
This is the core cover included on every Freedom Elite policy, as set out on Freedom's own Elite page.
Source: Freedom Health Insurance, Freedom Elite (freedomhealthinsurance.co.uk/elite, checked 15 Oct 2026); Freedom Elite IPID (freedomhealthinsurance.co.uk/getmedia/5ea286c0-977a-41d0-8f22-a7dcde903059/Elite-IPID, checked 15 Oct 2026).
| Benefit | Limit | Exclusion/condition |
|---|---|---|
| Specialist fees | Full refund | Fees must be in line with Freedom's Schedule of Procedures |
| Hospital fees | Full refund | The hospital must be on the member's hospital list |
| Cancer cover | Active cancer treatment, diagnosis, surgery, chemotherapy, radiotherapy and follow-up monitoring for as long as the policy is held | Part of the core cover, not an add-on, on Elite |
| Dental surgery | Inpatient and day-patient limits apply | Only covers surgical procedures in the Summary of Benefits |
| Home nursing | Full refund, up to 13 weeks immediately after inpatient or day-patient treatment | Must be a registered nurse, referred by the treating specialist |
| Pregnancy complications | Inpatient, day-patient and outpatient limits apply | Only complications listed in the policy document |
| Maternity cash benefit | £150 per child | Cover must be in place for at least 10 months |
| Private road ambulance | Full refund | Only when medically necessary |
| MRI, CT and PET scans | Full refund at a hospital within the policy's cover | Must be requested by a specialist, not a GP |
| NHS cash benefit | £200 per night for elective inpatient treatment; £100 per day for elective day-patient treatment, with no published limit on how many admissions this can be claimed for | NHS hospital, NHS patient; no benefit for time in A&E |
Freedom Elite optional benefits
These modules sit on top of the Elite core cover and each adds a separate area of claim.
Source: Freedom Health Insurance, Freedom Elite (freedomhealthinsurance.co.uk/elite, checked 15 Oct 2026).
- London Plus hospital list extension — Adds cover at a small number of central London private hospitals and HCA Healthcare UK facilities, for an additional premium, which are otherwise not on the standard Elite hospital list.
- Outpatient treatment benefit — Diagnostic tests requested by a GP (not just a specialist), specialist consultation fees and physiotherapy treatment.
- Alternative therapies cover — Osteopathy, chiropractic, acupuncture, homeopathy and podiatry.
- Mental health cover — Inpatient and day-patient treatment for acute mental health conditions, plus outpatient consultations and treatment.
- Dental, optical and private GP benefit — Covers dental, optical and private GP costs as an optional add-on.
Freedom Essentials core cover, as published
Essentials pays cash rather than full-refund benefits, so it needs to be compared differently to Elite.
Source: Freedom Health Insurance, Freedom Essentials (freedomhealthinsurance.co.uk/essentials, checked 15 Oct 2026); Freedom Essentials IPID (freedomhealthinsurance.co.uk/getmedia/9d89c9da-8ede-45ff-af82-056b22e97b01/Essentials-IPID, checked 15 Oct 2026). A compulsory £100 excess applies to Essentials (Freedom Health Insurance, Freedom Essentials, checked 15 Oct 2026).
| Benefit | What's paid | Condition |
|---|---|---|
| Inpatient/day-patient treatment (procedure required) | A fixed cash benefit towards treatment costs, under a self-pay contract at a private hospital | 50% of the benefit is still paid if treated on the NHS instead |
| Inpatient/day-patient treatment (no procedure) | £200 cash benefit for each day or night in hospital | Treatment must be carried out under a self-pay contract by a specialist |
| Cancer cash benefit | 50% of the fixed cash benefit for inpatient/day-patient cancer treatment, plus £150 for each hospital visit for chemotherapy or radiotherapy | Must be part of a course of active cancer treatment; Essentials does not include full cancer cover |
| MRI, CT and PET scans | Paid in full | Must be specialist-referred; no benefit for scans taken outside the UK |
| Additional benefits | Fixed cash benefit towards pregnancy complications and towards dental surgery procedures | Only the conditions/procedures listed in the Policyholder's Guide to Cover |
Freedom Worldwide cover levels
Freedom Worldwide is a separate international PMI product with five escalating tiers. Freedom publishes what each tier adds over the one below but does not publish full benefit tables on its marketing pages; we confirm exact limits against the Worldwide Table of Benefits at quote.
Source: Freedom Health Insurance, Worldwide (freedomhealthinsurance.co.uk/worldwide-international-health-insurance, checked 15 Oct 2026); Worldwide Table of Benefits (freedomhealthinsurance.co.uk/getmedia/a6225135-f48f-40fd-91f5-c38f2315ff61/Worldwide-Table-of-Benefits-EEA, checked 15 Oct 2026). Exact monetary limits per tier are not shown on the marketing pages we checked; PremierPMI confirms the live schedule at quote.
| Tier | What Freedom says it adds |
|---|---|
| Bronze | Essential medical cover: full inpatient and day-patient treatment plus limited outpatient cover; repatriation is covered only if an inpatient admission is required. |
| Silver | A step up from Bronze that adds cover for outpatient treatment. |
| Gold | Adds cover for dental treatment and a maternity benefit. |
| Platinum | A wider range of benefits again than Gold. |
| Diamond | The most comprehensive tier, including outpatient treatment with no overall monetary limit (limits still apply to psychiatric treatment and routine health checks). |
Freedom Worldwide — what every tier includes
Freedom's own site sets out what's covered across all five Worldwide tiers, before the tier-by-tier upgrades. These are the shared features worth checking with a client first.
Source: Freedom Health Insurance, Worldwide (freedomhealthinsurance.co.uk/worldwide-international-health-insurance, checked 15 Oct 2026).
- Area of cover — Three choices — Europe, worldwide excluding the USA, or worldwide — with worldwide cover the most expensive; cover applies wherever the member is at home, on holiday or on business, but travelling specifically to receive treatment is not covered.
- Core benefits on every tier — Medical treatment for acute conditions needing hospital admission, cancer treatment, emergency dental treatment requiring hospital admission, MRI/CT/PET scans, outpatient surgery and a compassionate emergency visit benefit, each subject to individual limits.
- Repatriation — Medical evacuation and repatriation are covered on every tier; on Bronze this only applies if the member needs an inpatient admission.
- Currency and excess — Members choose to pay premiums and receive benefits in £, $ or €, and can choose a voluntary excess for a discount Freedom states is between 5% and 40% off the annual premium.
- Returning to the UK — Freedom's own site says members can transfer to a Freedom Elite policy when they return to the UK under the same terms as their Worldwide policy.
Freedom hospital access
Freedom's standard Elite hospital list is built around the largest UK hospital groups, but central London access needs checking.
Source: Freedom Health Insurance, Elite Hospital List (freedomhealthinsurance.co.uk/elite/hospital-list, checked 15 Oct 2026). Freedom does not publish a total hospital count on the pages we checked; we confirm the live Elite Hospital Lists document at quote.
- Elite standard hospital list — Covers all hospitals in the UK's largest private hospital groups, named by Freedom as Circle Health Group, Nuffield Health and Ramsay Health Care, plus regional independent hospitals and NHS hospitals offering private patient facilities (Freedom Health Insurance, Elite Hospital List, checked 15 Oct 2026).
- London Plus extension — A small number of central London hospitals are excluded from the standard list and only covered if the London Plus extension is purchased for an additional premium.
- Essentials — no hospital list — Essentials pays a fixed cash benefit rather than working from a hospital list, so members can choose any hospital in the UK or abroad as a self-pay patient (Freedom Health Insurance, Freedom Essentials, checked 15 Oct 2026).
- Choosing a consultant — Freedom's own site points clients to the Private Healthcare Information Network (PHIN) for independent information on consultants' and hospitals' fees and outcomes.
Freedom underwriting options
Freedom's underwriting routes should be matched to a client's medical history before any existing policy is cancelled.
Source: Freedom Health Insurance, Medical Underwriting Explained (freedomhealthinsurance.co.uk/about-underwriting, checked 15 Oct 2026).
- Moratorium — Freedom's default for online applications. Conditions experienced in the five years before the start date are excluded automatically unless the member goes two unbroken years with no advice, treatment, medication or symptoms, after which cover may be possible.
- Full medical underwriting — The member discloses their medical history on application; Freedom confirms specific exclusions upfront, which takes longer than moratorium but gives certainty from day one.
- Switch moratorium underwriting — For members moving from another insurer who already hold moratorium underwriting; Freedom takes over the remaining moratorium period, for applicants under 71, on sight of the previous certificate of insurance.
- Continued personal medical exclusions — For members switching from a fully underwritten policy elsewhere; Freedom carries over existing personal exclusions (and may add new ones), for applicants under 71, on sight of the previous certificate.
- Medical history disregarded (MHD) — Freedom's own site states MHD is only offered on corporate health insurance policies and is not available on individual policies.
Freedom's other published features
A few features sit across Freedom's personal products rather than inside a single plan.
Source: Freedom Health Insurance, Why Choose Freedom Health Insurance (freedomhealthinsurance.co.uk/why-choose-us, checked 15 Oct 2026); Freedom Digital GP (freedomhealthinsurance.co.uk/freedomdigitalgp, checked 15 Oct 2026).
- No postcode pricing — Freedom states it does not price UK personal policies by postcode, so a London postcode does not increase the premium the way it can with some other insurers.
- Generous child pricing — Family policies with three or fewer children only pay for the first child; the maximum charge is capped at four children, per Freedom's own site.
- 6% annual payment discount — Freedom offers a 6% discount for paying the policy annually rather than monthly, applied at joining and at each renewal while the client keeps paying annually.
- Digital GP via Kry (formerly Livi) — Included free on Freedom's UK personal policies (Elite, Essentials and Your Choice, where held). Phone or video GP consultations are available 24/7, booked through the Kry app; Livi was rebranded to Kry from 15 September 2026, with the same clinicians and app login (Freedom Health Insurance, Freedom Digital GP, checked 15 Oct 2026).
- Freedom Diagnostics — A route to X-ray and ultrasound scans via Scan.com, available to eligible members on Freedom Elite (individual or group), Freedom Essentials (individual) and Freedom Worldwide UK (individual or group) policies (Freedom Health Insurance, homepage, checked 15 Oct 2026).
Key exclusions PremierPMI checks on a Freedom quote
These are headline exclusions published on Freedom's own product pages; the full list is in the relevant Policyholder's Guide to Cover.
Source: Freedom Health Insurance, Freedom Elite (checked 15 Oct 2026); Freedom Essentials (checked 15 Oct 2026); Worldwide UK Policy Document (freedomhealthinsurance.co.uk/getmedia/7ecf5e89-b5fe-40d9-9708-0eaa27f70223/Worldwide-UK-Policy-Document, checked 15 Oct 2026).
- Pre-existing and chronic conditions — Conditions or symptoms a member had before joining, and ongoing, recurrent or long-term conditions such as asthma or diabetes, are excluded on Elite and Essentials.
- A&E and emergency treatment — Accident and emergency admissions are excluded on Elite; Freedom's UK products are designed around planned, private treatment.
- Cosmetic treatment — Cosmetic and reconstructive treatment is excluded on Elite; cosmetic surgery is excluded on Worldwide.
- Pregnancy and childbirth — Excluded on Elite and Essentials except for the specific pregnancy complications listed in the relevant Guide to Cover.
- Worldwide-specific exclusions — Freedom Worldwide also excludes infertility treatment, treatment not pre-authorised in advance (other than outpatient or dental treatment) and professional sports injuries.
PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 020 4525 0884, or email contact@premierpmi.co.uk.
Ask a broker whether this insurer is the right fit for you
PremierPMI's brokers are available Monday to Friday 9am to 5:30pm. Call 020 4525 0884, message us on WhatsApp 020 4525 0884, or email contact@premierpmi.co.uk. You can also request a callback or meet our team.
All Top Health Insurance Companies UK 2026: 8 Insurers Compared