Freedom Elite FAQs

What hospitals can I use for my medical treatment?

In addition to the hospitals included on your chosen Freedom Elite hospital list, you may also receive treatment in any NHS private ward. You may be treated as a private patient in a dedicated NHS private patient unit or in an NHS pay bed. For more information please see the Freedom Elite hospital list.

Can I add my children to my Elite policy?

Yes, you can add any dependent children living at the same address who are under the age of 25 to your policy. For our family policies with three or fewer children will only pay for their first child. For our larger families, rest assured that the maximum charge is capped at four children.

What is a private GP and how does it work?

The private GP is not usually a replacement for your NHS GP, but it can work alongside it. You can use a private GP instead of your NHS GP when you want to be seen at a time that’s convenient to you. If your plan includes the Dental, optical and private GP optional benefit, we will refund, in full, up to a maximum of £300, the fee a private GP charges for consultations, diagnostic tests and minor surgery carried out in the GP’s own surgery.

Can I use my policy abroad?

Freedom Elite is a UK-only private medical insurance policy and it cannot be used abroad. If you live and work outside the UK for 12 months or more, an international health insurance plan may be more suitable.

Does Freedom Elite cover cancer?

Yes, a comprehensive cancer benefit is included in the core cover that comes with all Freedom Elite private medical insurance policies. This covers all types of cancer including cancer that has spread to other parts of the body, usually known as advanced, secondary or metastatic cancer. Find out more about our cancer cover.

Are there any limits to the Elite cancer cover?

No, there are no annual limits to the amount you can claim for eligible cancer treatment. We will pay the fee a specialist charges in full as long as the fee is in line with our procedure price guide.

What happens if my cancer cannot be treated?

If your cancer is no longer treatable, we will cover, in full, the cost of palliative care given solely to relieve pain and other symptoms of end-stage or terminal cancer.

Does Elite cover pre-existing medical conditions?

Health insurance policies are not generally designed to cover pre-existing medical conditions. However, it is possible that certain medical conditions could become insurable if you don’t receive any treatment, medication or advice for them for a period of time after the start of the policy if you have a moratorium underwriting. For more information, please get in touch.

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Our Freedom Elite policy is a flexible and comprehensive health insurance plan that can fit around your personal needs and budget.

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