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Freedom Elite Comprehensive Health Insurance

Flexible health insurance created around your personal healthcare needs and budget. Get a quick quote or purchase online today.

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What is Freedom Elite?

At the heart of every Freedom Elite policy there is a comprehensive core cover, designed to provide a strong foundation for building your own personal healthcare plan. With a selection of additional health benefits to choose from and policy choices that could save you money, we make it easy for you to create the medical insurance that’s right for you and your family.

What does the comprehensive core cover include?

Our Freedom Elite comprehensive health insurance covers the policyholder for costs relating to eligible hospital fees, specialist fees and diagnostic tests in full when you are admitted to a hospital for inpatient or day-patient treatment. Here are other benefits included in the core cover:

  • Dental surgery
  • Home nursing
  • Private road ambulance
  • Pregnancy complications
  • Maternity cash benefit
  • MRI, CT and PET scans
  • NHS cash benefit
  • Cancer cover
Freedom Elite Page - Core Cover

Here is a more detailed breakdown of what’s included in our comprehensive core cover as well as any exclusions or limitations:

What’s included? What are the limits? Are there any exclusions?
Specialist fees Full refund The fees incurred must be in line with our Schedule of Procedures
Hospital fees Full refund The hospital chosen must be on the hospital list and within your level of cover
Dental surgery Inpatient and daypatient limits apply Only covers surgical procedures listed in the policy document
Home nursing Full refund (up to 13 weeks immediately following inpatient or daypatient treatment) Medical care only from a registered nurse when referred by the treating specialist
Pregnancy complications Inpatient, daypatient and outpatient limits apply Only covers complications listed in the policy document
Maternity cash benefit £150 per child Cover must be in place for at least 10 months
Private road ambulance Full refund Only when necessary for medical reasons
MRI, CT and PET scans Full refund when using a hospital within the policy cover Only when requested by a specialist - no cover for scans requested by a GP
NHS cash benefit (inpatient) £200 per night for elective inpatient treatment only

Treatment must be in an NHS hospital and received as an NHS patient.

No benefit for time spent in A&E

NHS cash benefit (daypatient) £100 per day for elective daypatient treatment only

Treatment must be in an NHS hospital and received as an NHS patient.

No benefit for time spent in A&E


More about the core cover


Cancer cover

Being diagnosed with cancer can be life changing and having a private medical insurance plan you can rely on in these difficult moments is of utmost importance.

With comprehensive cancer cover included in all our Freedom Elite plans, you can rest assured that you will be covered for active cancer treatment provided by a specialist, following diagnosis, including surgery, radiotherapy, and chemotherapy along with follow-up monitoring for a recurrence of the cancer for as long as you hold the policy with us.

Optional health insurance benefits

  • Access to the London Plus hospital list extension which includes central London private hospitals and HCA Healthcare UK facilities throughout the UK
  • Outpatient treatment benefit including diagnostic tests requested by a GP, specialist fees and physiotherapy treatment
  • Alternative Therapies cover which includes Osteopathy, Chiropractic, Acupuncture, Homeopathy and Podiatry
  • Mental health cover including inpatient and day-patient treatment for acute mental health conditions as well as outpatient consultations and treatment
  • Private GP, Dental and Optical Benefit

Find out more about the additional cover options.

What makes Freedom Elite different

If you are looking for a comprehensive health insurance policy that gives you flexibility and great cover then look no further. Here's what you can benefit from:

Pregnancy Complications

Pregnancy Complications

Benefit from cover for pregnancy complications with no qualifying period. Part of the Freedom Elite health insurance core cover.

Unlimited NHS Cash Benefit

Unlimited NHS Cash Benefit

We do not limit the number of times you can be admitted to an NHS hospital during a policy year for which you can claim £200/night or £100/day.

GP-Referred Diagnostics

GP-Referred Diagnostics

Save precious time by being referred for further tests by your GP without having to see a specialist. Only available with the Outpatient Benefit.

What Our Customers Say About Freedom Health Insurance

What’s not covered

Our comprehensive health insurance policy excludes the following:

  • Accident or emergency treatment
  • Pre-existing conditions - treatment for conditions or symptoms you had before you joined us
  • Chronic conditions – ongoing, recurrent or long-term conditions such as asthma or diabetes
  • Cosmetic treatment
  • Pregnancy and childbirth – we will only cover pregnancy complications

For a full list of exclusions see the Policyholder’s Guide to Cover

Leaving your company’s health insurance scheme? You can easily switch to Freedom Elite on a similar cover.

Reducing your premium

Private medical insurance is all about peace of mind. That’s why you should be comfortable with what you are paying. Here are 4 ways you can reduce your insurance premium:

  • Pay yearly and save 6%
  • Choose the excess that works for you and bring down your cost
  • Choose only the health benefits you want with no hidden extras
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Important documents

For more information about Freedom Elite, please see our policy literature below.

All documents

Freedom Elite FAQs

What is a comprehensive health insurance policy?

A comprehensive health insurance policy usually provides a higher level of cover than basic policies, but what's included in the cover differs based on provider. Our Freedom Elite comprehensive medical insurance plan covers eligible hospital fees, diagnostic tests and specialist fees in full if you are admitted to a hospital for medical treatment.

Why get a comprehensive Freedom Elite health insurance plan?

There are many benefits to our Freedom Elite comprehensive health insurance plan, including:

  • You’ll receive full cover for eligible inpatient and day patient treatment as part of the core cover.

  • The core cover also includes certain pregnancy complications and dental surgical procedures, MRI, CT and PET scans, home nursing, private road ambulance and NHS cash benefit.

  • You‘ll have the option to add additional benefits to your policy to increase your cover.

How much does a comprehensive health insurance plan cost?

There’s a number of factors which may determine the cost of your fully comprehensive medical insurance plan, including but not limited to:

  • Your age (the higher your age, the more you may have to pay as there are more health risks).

  • Inclusion of family members and their ages.

  • The level of cover you choose (optional benefits will increase the cost of your insurance policy).

If you would like to get a better idea of how much our comprehensive health insurance cover could cost you, you can get a quote or speak to us today.

Are pre-existing medical conditions covered under a fully comprehensive medical insurance plan?

We may be able to cover a pre-existing medical condition if you have not received any medical advice or treatment, been prescribed medication, or experienced any symptoms of the condition, for a sustained period (usually at least two years) depending on the underwriting method which applies to your policy. Find out more about how underwriting works.

Read more FAQs

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