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Freedom Health Insurance

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Freedom are a family run company, based in Poole, passionate about providing a caring and compassionate service. They have a stable and extremely reliable team who aim to offer exceptional customer service and simple yet flexible products at competitive premiums for people living in the UK and overseas, for businesses and individuals.

Freedom are a family run company, based in Poole, passionate about providing a caring and compassionate service. They have a stable and extremely reliable team who aim to offer exceptional customer service and simple yet flexible products at competitive premiums for people living in the UK and overseas, for businesses and individuals.

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The History of Freedom

Freedom were founded in 2003 and the company is based on four principles. They care about you, the are always professional, they are honest and open and they are ambitious. In a market dominated by major players, they formed the company with the intention to be a smaller, family-owned and professional business, allowing them to get closer to their clients and provide a personalised, flexible service.

Freedom Insurance Policy Review

Freedom’s main Health Insurance offering is Freedom Elite

Below we will review the Freedom Elite policy. The Freedom Elite policy has a comprehensive core cover at the heart, with a selection of additional health benefits to choose from as well as some options to save you money on your premiums.

 

Freedom Key Benefits

Cancer Cover Comprehensive cancer cover is included within the core cover

Only pay for the fist child Once your eldest is added to your health insurance policy, any additional children can be added at no extra cost.

Digital GP GP24 gives phone access to a GP 24 hours a day, 7 days a week, 365 days a year

2 Year fixed premium The option to ensure your premiums do not go up in your second year, regardless if you have claimed or not.

Pregnancy Complications Cover 

No location-based pricing

4-star rating

with independant rating firm Defaqto

Health Insurance Awards 2015

Best Customer Service by a Provider

Best Health and Wellness Offering (Individual)

Cover Customer Care Awards 2019

Over 21,000 reviews

and an Excellent rating on Trustpilot

Freedom Core Cover

Included as a base to your cover with Vitality Freedom Health Insurance are the following benefits.

Benefit Details
In-patient and day patient treatment Including all hospital fees, specialists fees and diagnostic tests in full. Pre-admission tests, accommodation, meals and nursing, operating theatre and drugs, implanted prosthesis, physiotherapy,  consultants’ fees, diagnostic tests and MRI, CT, PET scans.
Digital GP GP24 gives phone access to a GP 24 hours a day, 7 days a week, 365 days a year. More on Digital GPs.
NHS Cash Benefit

£200 per night spent in an NHS hospital to receive inpatient treatment that would be covered by the policy. £100 per day for day patient treatment that would have been covered by the policy.

Cancer Cover 

Including diagnosis, monitoring, surgery, chemotherapy, radiotherapy, genetic testing, targeted therapies, treatment for side effects, reconstructive surgery, bone marrow and stem cell transplant and follow up monitoring. 

Home Nursing Full cover if recommended by a consultant
Private Ambulance Full cover where medically necessary
Parent Accommodation Accommodation for a parent accompanying a child aged 18 years or under
MRI, CT and PET scans  Included within core cover 
Pregnancy Complications Fees charged by a specialist and a hospital for inpatient and day patient treatment related to pregnancy complications.
Dental Surgical Procedures  Certain dental surgical procedures are included in core cover

Freedom Optional Extras

Additional optional extras are available to enhance your policy to suit your individual requirements:

Optional Benefit Details
Out-patient cover

For diagnostic tests requested by a GP and for specialist fees and physiotherapy treatment.

Alternative therapies

for fees charged by Acupuncturist, Chiropractor, Homeopath, Osteopath, Podiatrist (£750 or £1500 depending on level of cover chosen)

  • Psychiatric care
  • Dental, optical and private GP
Psychiatric care

For inpatient, day patient and outpatient treatment. Covers fees charged by specialists and hospitals for treatment of acute mental or psychiatric illness.

Dental, optical and Private GP costs

(£50 excess applies) 

Dental costs – Routine dental costs up to £300

Accidental Dental Injury – Up to £600

Optical costs – Covers optician fees for eye tests, prescription glasses and contact lenses. Up to £200.

Private GP costs – Fees a private GP charges for consultations, diagnostic tests and minor surgery carried our in the GP’s own surgery. Up to £300. 

 

What isn't covered?

Like most leading insurers, Freedom health insurance is intended to cover acute conditions as opposed to chronic conditions, such as diabetes. All exclusions will be listed in your policy documents. As standard, Vitality does not cover:

  • Gender reassignment
  • Infertility treatment
  • Pregnancy and childbirth
  • Pre-existing conditions
  • Organ transplants
  • AIDS/HIV
  • Treatment for Alcoholism or Substance abuse
  • Chronic conditions
  • Birth Control
  • Cosmetic surgery

Perks

Freedom provides further perks.

Maternity cash benefit - £150 per child

Only pay for one child

2 year fixed premium guarantee
6% discount for paying annually 

 

Underwriting Options

Freedom offers various underwriting options, all policies are subject to underwriting acceptance. Policies are available for 18 – 70 year olds at policy inception.

  • Full medical underwriting - where you disclose your medical history to Freedom
  • Continued personal medical exclusions – where you switch cover and carry any current personal medical exclusions which apply to the existing policy across to a new policy.
  • Moratorium underwriting - where you don’t need to disclose any medical history until you make a claim
  • Switch moratorium underwriting If you have moratorium underwriting and want to switch provider keeping the original moratorium start date in place.

For more definitions of terms, please see our glossary. 

Excess Options

Premiums can be reduced with Freedom policies by adding a voluntary excess. The following excess options are available with their corresponding premium reduction for individual policies:

£100 excess - 10% premium reduction

£250 excess - 15% premium reduction

£500 excess - 22.5% premium reduction

£1,000 excess - 35% premium reduction

 

Hospital Lists

Freedom Elite hospital list offers a comprehensive range of private hospitals throughout the UK. The list includes the UK’s largest hospital groups, such as BMI Healthcare, Nuffield Health, Spire Healthcare and Ramsay Health Care, together with a number of select local providers and regional independent hospitals.

There is a London Plus hospital list extension available to add on which then includes a small number of hospitals based in central London.

View Hospital List

How to make a claim

step3

Step 1

Visit the GP
step_3

Step 2

Call the claims helpline to

find out what is covered

step_2

Step 3

Invoices are usually

settled directly

 

Frequently Asked Questions

Do Freedom offer a Digital GP service?

Freedom’s virtual GP service, GP24 is an app available to all UK Freedom health insurance customers, which gives you phone access to a registered GP 24/7. They also offer video consultations between 8am and 10pm, 7 days a week (excluding Christmas day). This service enables you to receive advice, referrals, and diagnosis without having to wait for a GP appointment at your local surgery.

What does Freedom not cover?

Like most leading insurers, Freedom health insurance is intended to cover acute conditions as opposed to chronic conditions, such as diabetes – acute flare ups may be covered providing it is not excluded in the underwriting. All exclusions will be listed in your policy documents.

What are Freedom’s excess options?

Freedom’s excess options range from £0 to £1,000. The excess is only to be paid once per year, meaning you can have multiple claims but only have to pay your excess once. The excess options you choose will impact the premium you pay – the higher your excess, the lower the premium you pay will be.

Do Freedom offer Family Health Insurance?

Yes! You can add your partner and children to your plan. Freedom will only charge you a premium for your eldest child, any additional children can be added at no extra cost up to the age of 25.

Is there a discount for paying annually?

Yes! Should you wish to pay your premium annually, Freedom will offer you a 6% discount.

Do Freedom offer cancer care?

Freedom Elite plans offer comprehensive cancer care as standard. The costs of your diagnosis and treatment will be covered. If the cancer becomes terminal, Freedom will cover your end of life care in full.

Do I need health insurance?

We are blessed in the UK to have a National Health Service, so health insurance is not a legal requirement. Health insurance provides the peace of mind however that should you require treatment you can access private health services and avoid NHS waiting times. We believe there is a policy to suit everyone. To read more, see our Guide to Health Insurance.

 

Freedom Insurance Policy Documents

For all the Freedom Health Insurance policy Terms and Conditions see the policy documents linked below.

 

Why Compare Health & Life Insurance with us?

Here at Usay Compare, we can help you to compare prices and cover from the market leading UK health and life insurance companies such as Aviva, AXA and Bupa. Our service is completely free of charge and we are totally independent and impartial.

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Health Insurance Guides

Below are our in-depth guides to help you decipher the various health insurances available and learn more about how they work. Don't forget our advisers are always at the end of the phone to offer free, expert advice should you prefer to speak to someone in person.