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.
Freedom offers three main types of insurance cover. These are:
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:
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.
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.
You can contact Freedom on 0800 999 2013 or via the web chat function on their website.
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.
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 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.
Yes, you may have to pay an excess. You can reduce the cost of your policy by choosing a higher voluntary excess.