Freedom Health Insurance Review
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About Freedom Health Insurance
Freedom Health is a family-run, award-winning private medical insurance provider. It is based in Poole, UK, and has been in the business for over 20 years. While a handful of major players dominate the market, Freedom Health fills the need for personalised, flexible care on a small scale while maintaining high service standards. They cover clients in the UK and abroad.
Freedom Health medical insurance follows four main values: exceptional customer care, professional services, honest and open operations, and ambitious projects.
Freedom Health Insurance Key Points
As the company name suggests, Freedom Health believes in patients’ involvement in decision-making about their health. This is why all cover plans are flexible and negotiable for individuals, families, and businesses.
Their website advertises the following unique benefits:
- eMed – This virtual service gives you access to a GP 24/7/365 via telephone consultation. Powered by the Livi app, Freedom Health Insurance delivers medical advice, reassurance, and diagnosis for any cover plan. Patients can also schedule online video consultations, but certain limitations apply.
- 6% discount when paid annually – Customers who pay once per year receive their policy at a lower price.
- No location-based pricing – Policy prices stay the same regardless of the patient’s postcode. Freedom Health doesn’t drive up prices for London patients (which is a common practice) while also ensuring all locations, city or rural, have access to high-level facilities.
- Only pay for one child – With Freedom Health Insurance, family policies with three or fewer children will only pay for their first child. For our larger families, rest assured that the maximum charge is capped at four children.
What Do Freedom Health Customers Think Of Their Insurance
Feefo, a UK-based customer feedback platform, rates Freedom Health Insurance 4.7/5 rating based on 42 reviews over the last year. Out of those, 33 reviews are 5-star – “efficient and friendly”, “very prompt response to my call and a positive ‘can do’ approach to my claim”, “really helpful”.
Freedom Health is rated 4.0 on TrustPilot, which is considered “great” on the platform. Some reviewers were not happy with customer service and prescriptions, while others left glowing reviews – “professional and speedy”, “great company”.
How Does Freedom Healthcare Work?
You can contact Freedom Healthcare Insurance on the phone (0800 999 2013, a freephone number), by email ([email protected]), or via online chat. The customer agent will explain the details and guide you through starting your Freedom Health medical insurance policy.
Freedom Health works with many private healthcare facilities all around the UK, all vetted and regulated by the Care Quality Commission. Members can choose their treatment facility and consultant, specialist or therapist. If they don’t have a specific preference, they will be matched with an available specialist closest to them.
For acute health condition patients to begin the claims process, a GP referral is required — self-referrals are not accepted. This referral can come from an NHS GP, a private GP, or our virtual GP service. Once the referral is approved, treatment can begin. Once the treatment is complete, the patient can start the claims process online and get their expenses covered based on their policy and level of excess.
How Much Does Freedom Health Insurance Cost?
The price of a Freedom Health insurance plan depends on the number of people covered, age, benefits, and several other factors.
We took five scenarios, kindly provided by Freedom Health, to illustrate approximate premiums for different types of patients.
| Product | Cover Details | Price |
|---|---|---|
| Freedom Essentials | 30 years old, inpatient cover, cancer cash benefit, £100 excess | £25.70/month |
| Freedom Essentials | 60 years old, inpatient and outpatient cover, cancer cash benefit, £200 excess | £54.71/month |
| Freedom Essentials | A couple (42 and 40 years old) and children (12 and 3 years old), inpatient and outpatient cover (£500), cancer cash benefit, £200 excess | £81.74/month |
| Freedom Elite | 30 years old + child (6 years old), outpatient care (£1,500), private GP, dental and optical benefit, £250 excess | £113.03/month |
| Freedom Elite | A couple (32 and 30 years old), full inpatient and outpatient cover, £250 excess | £126.56/month |
*If you choose to pay annually, you will receive a 6% discount.
Freedom Health Insurance Cover
Freedom Health offers three types of personal health insurance plans: Essentials, Elite, and Worldwide.
Freedom Essentials
Freedom Essentials is an affordable private medical insurance plan that’s designed to give individuals and families greater control over their healthcare while keeping premiums cost-effective.
| Core cover |
Fixed cash benefit towards the cost of:
Plus:
|
| Optional cover |
|
NHS Cash Benefit
The policy partially compensates elective inpatient or day-patient treatment. Freedom Health Insurance pays 50% in the form of a fixed cash benefit if a procedure is required or £200 for each night or day
spent in hospital if no procedure is required. If you get treated under the NHS, you can still receive the cash benefit to spend however you want.
The fixed benefit is calculated based on the national average cost, excluding central London hospitals.
Diagnostic Tests
Consultations with health specialists and subsequent diagnostic tests are refunded up to a total of £500. The hospital or other imaging facility must be approved by Freedom Health. Diagnostic tests requested by a GP are also covered, except for repeat scans.
Physiotherapy Treatment
Physiotherapy treatment of acute health conditions is covered in refunded in full up to £500 or £1,500 and you are limited to six sessions. The specialist must be approved by the insurer and be a member of the Chartered Society of Physiotherapy and the Health and Care Professions Council.
According to the Physiotherapists Registration Board Code of Professional, physiotherapists are not allowed to treat family members.
Cancer Cash Benefit
Cash benefits can also be used towards active cancer treatment. Freedom Health Insurance does not provide full cover, but it can issue 50% of the fixed cash benefit for chemotherapy and radiotherapy at no annual limit. £150 for each hospital is also included in this policy level.
Pregnancy Complications
Freedom Health Insurance offers a fixed cash benefit towards the treatment of pregnancy complications, such as:
- Miscarriage, incomplete miscarriage
- Stillbirth
- Extrauterine pregnancy
- Hydatidiform mole
- Postpartum haemorrhage (PPH)
- Retained placenta (RP)
If the complications above require outpatient treatment, their costs will be covered based on the outpatient benefit limits.
Freedom Elite
Freedom Elite is a comprehensive private medical insurance plan that offers a solid core cover as the foundation. It’s designed to be flexible, allowing individuals and families to tailor their policy with a range of optional benefits and cost-saving choices. This personalisation makes it easy to build a healthcare plan that suits unique needs, lifestyles, and budgets.
| Core cover |
|
| Optional cover |
|
Inpatient and Day-Patient Treatment
Similar to Freedom Essentials, Elite covers fees charged by health specialists. However, the charges are covered in full rather than in cash benefits. If the charges don’t go against the schedule of procedures, patients can expect full refunds for
- Pre-admission and diagnostic tests
- Accommodation, meals, and nursing care for a patient and a parent accompanying a child
- Critical care
- Anaesthetics and surgery
- Physiotherapy
Home Nursing
Nursing is paid in full for up to 13 weeks after the end of inpatient or day-patient treatment. Nurses must be registered at the Nursing and Midwifery Council. Finally, the specialist leading the treatment in the hospital must also recommend, arrange, and supervise the process. Additional in-home expenses (for instance, mobility and childcare) are not covered.
Mental Health
Treatment of an acute mental or psychiatric illness is covered by Freedom Health Insurance under the following conditions:
- Up to 45 days for inpatient and day-patient treatment
- Up to £2,000 of cover towards outpatient treatment
Addictions and associated medical complications are not covered.
Dental, Optical and Private GP
Routine dental costs are covered in full with a limit of £300 and a compulsory excess. This includes extractions, fillings, crowns, bridges, inlays, check-ups, x-rays, scale, polish, and hygienist procedures. Accidental dental injuries are also covered – for up to £600.
Optical refunds are limited to £200 for routine eye tests, prescription glasses, and contact lenses. These expenses will only be covered for first-ever prescriptions or if the patent’s existing prescription changes.
Private GPs are refunded at a maximum limit of £300.
Alternative Therapies
Freedom Elite refunds up to £750 or £1,500 cover dependant of the outpatient treatment provided by the following alternative medical specialists (only for acute health conditions if referred by a GP):
- Acupuncturist
- Chiropractor
- Homoeopath
- Osteopath
- Podiatrist
Conditions and current statutory requirements for therapists are explained in detail in the policy document.
Underwriting for Pre-Existing Health Conditions
Freedom Elite only covers unexpected events, whereas pre-existing health conditions are excluded as a result of:
- Full medical underwriting
- Moratorium underwriting
- Continued personal medical exclusions
- Medical history disregarded
Additional Benefits
Emergency care, including a private road ambulance and medical supervision in transit, are covered in full. This extends to the journey from home to hospital, between hospitals/treatment centres, and from hospital to home.
Freedom Worldwide UK
Freedom Worldwide is an international health insurance plan designed for individuals, families, and businesses living or working abroad. Whether you’re relocating or already established overseas, it provides peace of mind by offering comprehensive cover for medical treatment outside the UK.
| Bronze | Silver | Gold | Platinum | Diamond | |
| Maximum limit per policy year (£) | 500,000 | 750,000 | 1,000,000 | 1,500,000 | 2,000,000 |
| Inpatient and day-patient treatment | + | + | + | + | + |
| Outpatient treatment | Covered up to 1,000 for post-inpatient treatment |
2,500 | 5,000 | 10,000 | Covered in full |
| Dental treatment | – | – | 750 (10% co-pay) | 1,000 (10% co-pay) | 1,500 (10% co-pay) |
| Repatriation | + | + | + | + | + |
| Emergency medical cover | – | – | Covered up to 30,000 (max 30 days) | Covered up to 40,000 (max 60 days) | Covered up to 50,000 |
| Cancer cover | Covered in full | Covered in full | Covered in full | Covered in full | Covered in full |
| Maternity cover | – | – | 2,500 | 7,500 | 10,000 |
What Is Not Covered on Freedom Health Insurance?
Like most insurance companies, Freedom Health Insurance extends to acute conditions. All exclusions can be found in the policy documents available on the Freedom Health Insurance website or can be discussed directly with your broker.
Below are exclusion examples that Freedom Health does not cover:
- Pre-existing and chronic conditions (diabetes, COPD, cancer, sleep apnea, etc.)
- Cosmetic surgery
- Fertility treatment
- Pregnancy and childbirth
- Accident and emergency
Do I Have to Pay Towards My Treatment?
Policies come with limits on how much you can claim, so make sure you understand your policy terms in advance, including the total amount you can claim, how much you can claim per condition and per type of treatment.
Freedom Health also offers a voluntary excess – the amount you volunteer to pay for treatment covered by your policy. This helps reduce your monthly premium – the higher the excess, the higher the reduction:
- £100 excess – 10% off premium
- £250 excess – 15% off premium
- £500 excess – 22.5% off premium
- £1,000 excess – 35% off premium
Can I Get Health Insurance If I Have an Existing Medical Condition?
People with pre-existing health conditions can still get insurance, but the policy will likely exclude these issues. They will be examined as part of the underwriting process. In other words, before activating your cover, the company representative will ask you questions about your medical history.
Freedom Health offers several types of underwriting for Elite policies, such as full medical underwriting, moratorium, continued personal medical exclusions, continued moratorium, and medical history disregarded. MHD only extends to corporate policies.
When Does Freedom Health Insurance Reset?
Your entitlement for policy benefits starts on the first day of your policy and resets on your renewal date. More details will be available on your account on the website and in the physical summary of the cover.
Can I Switch My Existing Health Insurance Cover to Freedom Health?
Yes, if you have health insurance from another provider, you can switch to Freedom Health Insurance. It makes more sense to switch providers at the end of the policy year. But the policy transfer can be initiated at any time as long as you don’t have ongoing claims.
Your existing provider may have conditions and charges, which you need to clarify with their specialists. After speaking to them, you can call Freedom Health or request a callback, and the support agent will explain what will happen next.
How to Cancel Freedom Health Insurance in the UK?
You can cancel your individual health insurance at any time, but if done after the 14-day cooling-off period, a refund may only be issued if no claims were made; if claims were made, you’ll be required to pay the remaining annual premium.