Freedom health insurance

Freedom Health Insurance Overview

Founded in 2003, Freedom Health Insurance is an award-winning private medical insurance (PMI) provider aiming to offer exceptional customer service and simple yet flexible products at competitive premiums for people living in the United Kingdom (UK) and overseas.

They offer a range of products suited to individuals, families and businesses insuring two employees upwards, including Freedom Elite, Freedom Your Choice and Freedom Worldwide.

Health Insurance Awards

Freedom Health Insurance was awarded Best Customer Service by a Provider at the Health Insurance Awards in 2015 and were shortlisted 2016, 2017 and 2018.

Freedom Health Insurance Review

  • Freedom is a good option for clients looking for personal service and sustainable premiums. They can consider all types of customers from individuals to companies.
  • Children up until their 25th birthday that are in full time education can be added to your policy.
  • Freedom offer community rated policies, meaning that you do not have a “no claims discount” attached to the policy, it’s more like joining a big group scheme.
  • They offer various levels of outpatient cover to suit all budgets.
  • Age Limit – You can’t join after the age of 70
  • If you restrict your outpatient cover with Freedom you are also restricting some diagnostic tests as a result, whereas other providers like AXA PPP, Health-on-Line and Vitality will cover these in full with a limited out-patient option.

General & Medical Health Insurance Review

  • General & Medical are not postcode rated
  • They provide benefits not available elsewhere (private maternity, cash benefits for boarding pets, parking charges cover is just to name a few)
  • They do not operate a No Claims Discount, policies are community rated
  • They have been selling PMI in the UK for 30 years
  • General & Medical are the preferred provider of the Association of Surgeons of Great Britain and Ireland (ASGBI)
  • Every policyholder is allocated a dedicated Health & Care and Support Specialist contact who is not only dealing with midterm adjustments but also claims
  • On some General and Medical plans there is a cap on cancer treatment, to make sure you have the right options please get in touch.
  • If you limit your outpatient cover with General and Medical by selecting any Everyday or Essentials plan you will have restrictions on your outpatient cover that you may exceed at point of claim, whereas other providers like AXA PPP, Health-on-Line and Vitality will cover these in full with a limited out-patient option.
  • When considering General and Medical as an option please check with your advisor that the hospital list you are taking is sufficient for your needs as there are 3 different lists and they are all considerably different.

Freedom Health Insurance Policy

​Freedom Elite offers modular benefits and can be tailored to a client’s needs. Freedom Elite provides comprehensive cancer cover as standard, excesses that don’t erode the policy limits and we allow our clients to make their own choice of consultant and/or therapist.

Additional Benefits

  • 2-year fixed premium guarantee (available from 1st October 2019) with Elite individual policies.
  • Comprehensive Cancer Cover as standard with Elite policies. 
  • Personal service for customers.
  • Premiums not based on postcode.
  • No restriction on outpatient consultations and therapists. 
  • No introductory No Claims Discounts (NCD’s)

Freedom Your Choice offers an alternative to traditional medical insurance, with a cash back element applying to in-patient surgery. The client has the freedom to choose the hospital and the time of their treatment. Freedom Health Insurance can pay clients a fixed cash benefit towards the cost of the in-patient treatment and gives them the freedom to decide whether to have the treatment privately, via the NHS or abroad. If the cost of the treatment is less than the fixed cash benefit paid by Freedom, the client can keep the difference. If the client chooses to use a more expensive hospital, such as one based in central London, they will have to pay the extra cost themselves. If the client uses the NHS for treatment, free of charge, they will receive 50% of the fixed cash benefit to spend how they wish.

Additional Benefits

  • 2-year fixed premium guarantee (available from 1st October 2019) with Your Choice individual policies.
  • There are no hospital lists for Your Choice. You are free to use whatever treatment centre you prefer.
  • Personal service for customers.
  • Premiums not based on postcode.
  • No restriction on outpatient consultations and therapists. 
  • No introductory No Claims Discounts (NCD’s)

* Findings are based on 49 clients, over the last 3 months who already had a live policy in place.

Benefits Healthcare Clarity

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Healthcare Clarity is a Freedom Health intermediary. We are authorised by the financial conduct authority (FCA) to give clients advise on private medical insurance plans. Our service is free to clients and we are paid a percentage commission on the business placed with the health insurer. This does not mean you will pay more by using our service.