Freedom Health Insurance

Freedom Health Insurance

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Freedom Health Insurance are a private medical insurance provider who are based in Poole, Dorset. Established in 2003, Freedom Health Insurance offer private medical insurance for companies, individuals and families for over 10 years

In 2017 Freedom Health Insurance were shortlisted in the Health Insurance Awards for Best Provider of Customer Service and Best Individual PMI Provider.

The policy options from Freedom Health Insurance include:

  • Essentials – for individuals, couples and families
  • Elite – for individuals, couples, families and businesses
  • Worldwide – for anyone who is studying, living, working, travelling or volunteering abroad.

In March 2019 Freedom Health Insurance confirmed that they will now allow child dependents to remain on the policy as a dependent until the renewal date following their 30th birthday for Elite Group (company) private medical insurance policies.  On the individual private medical insurance policies the maximum age will remain at 24.

The Service levels from Freedom are clearly shown on their website. Freedom Health offer the following to their members who are making a claim:

  • All calls answered within 5 rings
  • Emails responded to within two working days
  • Correspondence responded to within 5 days

Freedom Health Insurance clearly state their definition of a chronic condition. This means that you can understand exactly what the term chronic condition relates to and how they handle any claims relating to medical conditions of this type.

The Freedom Elite company health insurance gives members the option to add benefits to the core cover provided. These added benefits include out-patients cover, therapies cover, mental health cover and Private GP, Dental and Optical cover.

Underwriting Options for Freedom Health Insurance policies

Underwriting for the Elite range of health insurance policies on a company basis includes: full medical underwriting, moratorium, continued personal medical exclusions, continued moratorium and medical history disregarded(MHD).  MHD underwriting is only available to corporate policies.

Hospital Options available include:

The standard Hospital list for the Elite policy customers covers 240 + hospitals however, there are a small number of central London hospitals that would only be available if the London Plus hospital extension is taken. These central London hospitals include hospitals in the HCA group. If you wanted cover for the Lister Hospital, London Bridge Hospital, the Bupa Cromwell or the London Clinic you would need the London Hospital list. The full list is available to download.

The Essentials policy offers members a fixed cash benefit for treatment they receive privately as an in-patient or day-patient or 50% of the cash benefit if treated through the NHS. The plan also offers an optional benefit package for out-patient treatment.

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