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Elite Core Cover

Freedom Elite includes everything you would expect from a health plan and much more, starting with a great core cover.

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All our Elite plans start here

The Freedom Elite core cover is designed to give you the peace of mind that comes with knowing that you can get fast access to private healthcare when it matters the most.

With all costs settled directly with the hospital of your choice (within your level of cover), you have less to worry about, allowing you to give full attention to your health.

Full cover for inpatient and day-patient treatment

We will pay all eligible specialist charges in full when you are admitted to a hospital as long as the fees are charged in line with our schedule of procedures. If the fee charged is greater than the amount we pay, you will be responsible for paying the shortfall directly to the specialist.

Hospital fees will also be paid in full for all inpatient and day-patient treatment, as long as your chosen hospital is on the hospital list within your level of cover. If you decide to use a hospital outside the approved list, we will only pay 50% of the costs and you will be responsible for settling the difference directly with the hospital.

Comprehensive cancer cover

All our Freedom Elite plans include comprehensive cancer cover which pays for eligible costs associated with cancer from the initial specialist consultations and diagnostic tests (when the optional outpatient cover is taken) to active cancer treatment such as surgery, radiotherapy and chemotherapy.

Find out more about our cancer cover.

MRI, CT and PET scans

We will pay the costs charged by a hospital or an approved diagnostic imaging centre for MRI, CT and PET scans in full when you have been referred by a specialist.

Pregnancy complications

Freedom Elite provides full cover for specialist and hospital fees for inpatient and day-patient treatment related to certain pregnancy complications.

For a full list of what pregnancy complications are covered please see our Policyholder’s Guide to Cover.

Maternity cash benefit

Get £150 for each child born as long as you’ve had the Freedom Elite plan for at least 10 months before the child was born.

Home nursing

We will cover in full, for up to 13 weeks, the costs associated with home nursing immediately following inpatient and day-patient treatment that was covered by the policy.

Private road ambulance

If you need private inpatient or day-patient treatment and you need to be medically supervised during the journey between your home and the hospital or between two hospitals, we will pay the fee charged for a private road ambulance in full.

NHS cash benefit

If you choose to get treatment through the NHS (rather than at a private hospital), you can claim £200 for every night spent in an NHS hospital as an inpatient or £100 for every day spent in an NHS hospital as a day-patient.

For more information and the full terms and conditions of the policy please read the Policyholder’s Guide to Cover.

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

Have any questions?

If you still have questions about our Freedom Elite health plan, check out our Elite FAQs or give us a call on 0800 999 2013* and speak to one of our friendly team members.


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