Freedom Banner

Private Health Insurance

Take a fresh approach to personal health insurance with our flexible and affordable health plans.

Get a quote Why choose us

Why choose Freedom Health Insurance?

Everything we do here at Freedom Health Insurance is about making things simpler, so you can make the most of what matters to you. Whether you’re looking for individual, family or business health insurance, we offer a range of features and benefits that set us apart from other health insurance companies.

No Location-Based Pricing

No Location-Based Pricing

Most health insurers charge you more for health insurance plans if you live in or around major cities like London. We don’t.

Only Pay for the First Child

Only Pay for the First Child

After your first child, any additional children can be added to your private health insurance policy at no extra cost.

Dedicated Personal Service

Dedicated Personal Service

Whenever you buy a private health insurance policy or submit a claim, you usually deal with the same person throughout the entire process.

What Our Customers Say About Freedom Health Insurance

Our Private Health Insurance Plans

Freedom Elite Comprehensive Health Insurance

Freedom Elite Comprehensive Health Insurance

We understand how important it is to have a health insurance plan that you can rely on when the worst happens. Our Freedom Elite health insurance core cover already includes a comprehensive range of health benefits such as full coverage for eligible medical treatment when you are admitted to hospital and extensive cancer cover. You can further enhance your policy and tailor it to your needs.

Find out more
Freedom Essentials Cost-Conscious Health Insurance

Freedom Essentials Cost-Conscious Health Insurance

Health insurance can be affordable, can provide a good level of cover and can even help you get treatment abroad. With our Freedom Essentials plan you get a fixed cash benefit for medical treatment when you are admitted in a hospital. You can then use the money to get treated privately in the UK or abroad. You will still receive 50% of the cash benefit if you choose to get treated through the NHS.

Find out more
Freedom Worldwide International Health Insurance

Freedom Worldwide International Health Insurance

Get peace of mind when living and working abroad, knowing that your health is taken care of. Five levels of cover, including comprehensive cancer cover and repatriation benefit are only a few of the benefits offered by our international health insurance plan. And when you return to the UK, you can usually seamlessly switch to our Freedom Elite health insurance plan without additional exclusions.

Find out more

Quickly start your health insurance application

Apply for private medical insurance now and we will get back to you with a free, no-obligation health insurance quote for the cover that best suits your needs.

Health Insurance FAQs

What is health insurance?

Health insurance is a type of insurance which covers private medical expenses for acute conditions that arise after the start of the policy. An acute medical condition is a disease, illness or injury that is likely to respond quickly to treatment.

Find out more about health insurance and what it covers.

How much is private health insurance?

How much you will have to pay for private health insurance will depend on a range of factors, including the policyholder’s 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. 

What does health insurance cover?

Typically, a private health insurance policy will cover the cost of private medical treatment for acute medical conditions. That said, exclusions may apply (such as chronic medical conditions, pre-existing medical conditions, emergency treatment, organ transplants, cosmetic surgery etc.). 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?

How does private health insurance work?

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. 

What benefits will I have with your health insurance plans?

  • 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 (which is the case for many other health insurers).
  • We offer an excellent personal customer service. 
  • We offer a 2-year fixed price premium guarantee - this allows you to freeze the cost of your health insurance cover for two years at no added cost with our Freedom Elite or Freedom Essentials health insurance plans. Terms & Conditions apply.

Are you looking for self-employed or company health insurance?

Latest Blog Articles

Love Your Heart

Feb 14 2022

Love Your Heart


For Valetine’s day, we’re raising awareness of the things you can do every day to show love to your heart.

Read More

Stay in touch

Subscribe to our newsletter to receive our latest blog articles, updates and special offers.

By subscribing to our newsletter you agree with our Privacy Policy. We will never share your details and you can unsubscribe at any time.