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What is Freedom Health Insurance?

Freedom health cover is private medical insurance which gives you cover for eligible medical treatment in hospital and also cover for cancer treatment. Private health care can help give you quicker access to treatment and more comfortable surroundings if you need to be admitted to hospital.

What kind of private medical insurance does Freedom offer?

Freedom offers three main types of insurance cover. These are:

  • Freedom Elite Comprehensive: This policy offers the most comprehensive range of cover, covering policyholders for eligible hospital treatment both as an inpatient and day patient, cancer care and a range of other benefits. The policy can be tailored to the policy holder's needs with optional add ons
  • Freedom Essentials: This is a more affordable option which provides more limited cover. Rather than covering the whole cost of private medical treatment, policyholders get a fixed cash sum if they are admitted to hospital. This can be used for private treatment, or you can opt to continue with NHS treatment and instead have half of the cash sum
  • Freedom Worldwide: This is international health insurance for those who are living or working abroad. It can be switched back to the standard Freedom Elite plan when you return to the UK

What is included in Freedom Elite health cover?

The core cover offered by Freedom includes any eligible hospital fees covered by the plan, specialists' fees and tests for treatment as an inpatient or day-patient. Freedom also includes as standard with this policy:

  • Dental surgery
  • Nursing at home
  • Complications arising from pregnancy
  • Cancer cover including surgery, radiotherapy, chemotherapy and follow-ups
  • A cash benefit for each child born once the policy has been in force for 10 months, although pregnancy and childbirth are excluded from the remainder of the cover
  • Scans such as MRI and CT
  • Cash payment of £200 per night if you are admitted to an NHS hospital

What is not covered?

Outpatient treatment is not covered as standard. If you require cover for outpatient treatments and outpatient diagnostic tests this is available as an optional add on. Other optional add ons include mental health cover, private GP, dental and optical benefits and alternative therapies such as osteopathy, podiatry and acupuncture.

Cover for pre-existing conditions is excluded from Freedom health policies, along with ongoing conditions such as diabetes and asthma and cosmetic treatments. As you would expect, treatment at Accident and Emergency is also excluded.

What is the claims process?

Policyholders see their GP first and if a specialist referral is recommended then they should contact Freedom for pre-authorisation. Once the claim has been accepted then the policyholders can book the specialist appointment. Invoices are settled direct with the specialist/hospital.

How do I contact Freedom health insurance?

You can contact Freedom on 0800 999 2013 or via the web chat function on their website.

Freedom health cover customer reviews

Freedom health have excellent customer reviews, with a 4.6/5 feefo rating including 18 out of 23 reviews rating the service 5 stars. Trustpilot shows a similar picture, with a rating of 4.8/5.

What are the pros and cons of Freedom private medical insurance?


Freedom Elite policyholders can choose any NHS private ward as well as Freedom's listed hospitals. Cancer cover is included as standard, along with a 24 hour GP service to support your existing GP. There are options to manage the cost of cover, including paying annually and opting for a fixed two year premium.


Outpatient cover is an optional add on and is not included as standard. If you choose a hospital other than Freedom's listed hospitals or an NHS private ward, Freedom cover only 50% of the hospital fees.

Freedom health insurance FAQs

Can I manage my Freedom policy online?

Freedom do not offer an online management option although you can apply for a quote online. You will need to telephone or email Freedom to make a claim.

Will I have to pay an excess?

Yes, you may have to pay an excess. You can reduce the cost of your policy by choosing a higher voluntary excess.

4000+ reviews