Private Business Intermediaries

Frequently Asked Questions (FAQ's)

What are the core benefits of Elite ?

The core cover for Freedom Elite includes:

  • Inpatient and daypatient treatment
  • Cancer cover
  • Pregnancy complications
  • Maternity cash benefit
  • Dental surgery 
  • Home nursing
  • Private road ambulance
  • NHS cash benefit (inpatient)
  • NHS cash benefit (daypatient)
  • MRI, CT and PET scans
Please refer to the Elite Policy document for more information.

What does the (optional) Outpatient cover include?

The Freedom Elite policy optional outpatient cover includes:

  • Diagnostic tests arrange by a GP
  • Specialist consultation
  • Outpatient treatment fees
  • X-rays, pathology, diagnostic tests and procedures
  • Physiotherapy fees

Please refer to the Elite Policy document for more information.

What does the (optional) Alternative Therapies cover include?

The Freedom Elite policy offers an optional Alternative Therapies cover which includes:

On GP or specialist referral, fees charged by a registered

  • Osteopath
  • Chiropractor
  • Acupuncturist
  • Homeopath
  • Chiropodist/Podiatrist.

Please refer to the Elite Policy document for more information.

What does the (optional) Psychiatric Care cover include?

The Freedom Elite optional psychiatric cover includes treatment of acute mental and psychiatric illness as part of:

  • Inpatient and daypatient treatment
  • Outpatient treatment

Please refer to the Elite Policy document for more information.

Are there any limitations to my claim?

The following are not included in the Elite policy:

  • Pre-existing medical conditions
  • Long-term or chronic conditions
  • Accident or emergency admissions
  • Congenital abnormalities
  • Cosmetic treatment, healthy tissue removal and weight loss treatment
  • Experimental or unproven treatment
  • Failure to follow medical advice or take reasonable care
  • Infertility investigations and assited reproduction
  • No GP referral
  • Overseas treatment
  • Pregnancy and childbirth (except for the listed complications)
  • Professional sports and certain hazardous activities
  • Dental treatment (except for the listed surgical procedures)
  • Screening, monitoring and preventative treatment
  • Transplants
  • Varicose veins - unless they meet the required clinical criteria
 
Please note that this is not a full list of all the exclusions. Refer to the Elite Policy document for more information.

What is the method of underwriting for the Elite policy?

The Freedom Elite health insurance cover can have several forms of underwriting (the way your medical history affects your cover). Please contact us if you would like to discuss your options.

To find more about methods of underwriting please click here.

What does the (optional) Private GP, Dental & Optical cover include?

The Elite policy optional Private GP, Dental and Optical cover includes:

  • Routine dental costs
  • Accidental dental injury
  • Optical costs
  • Private GP costs

Please refer to the Freedom Elite policy document for more information