Health insurance is a type of insurance policy which covers the cost of private medical treatment which is needed to treat new acute medical conditions which first arise after the start of the policy. An acute medical condition is a disease, illness, or injury which comes on suddenly and without warning, unexpectedly causing pain or discomfort or other outward physical symptoms.

Find out more about health insurance and what it covers.

How much you will have to pay for private health insurance will depend on a range of factors, including your age, type of policy, level of cover and the number of people covered by the policy. In some cases, your location will also impact the cost of your health insurance, but this is not the case with us as we offer customers the same premium regardless of location. 

Find out more about our private health insurance costs and see examples of quotes. 

Typically, a private health insurance policy will cover the cost of private medical treatment for acute medical conditions. Here’s what a private health insurance policy could cover, depending on the policy type and the optional benefits chosen:

• Inpatient and day-patient treatment
• Cancer treatment
• Outpatient treatment
• Mental health care
• Alternative therapies

Why not take a look at our private health insurance policy documents to see what’s covered by each of our Freedom Health Insurance policies?

Exclusions may apply to your health insurance policy such as:

• chronic medical conditions,
• pre-existing medical conditions,
• emergency treatment,
• organ transplants,
• cosmetic surgery.

All you need to do is choose the right health insurance policy for you (depending on the health benefits you would like) and decide whether you would like to pay monthly or annually. 

If you become ill or suffer from an acute condition, you should visit your GP who will be able to refer you to a specialist for diagnosis or for further tests. At this stage, you need to get in touch with your health insurance provider if you want to get private medical treatment under your health insurance plan. 

• You can save on annual payments - we love to reward loyal customers, which is why we offer a 6% discount for annual health insurance policy payments. 
• We operate a quick turnaround - usually, it won’t take more than 2 working days (5 for company policies) to set up your health insurance policy after your initial quote, so you can get the cover you want when you need it.
• We won’t charge you more for living in or around major cities.
• We won the Customer Service 'Above & Beyond' award at the Cover Awards 2023, showcasing our dedication for providing excellent customer service.