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Elite Optional Benefits

Our optional add-ons let you enhance your cover, ensuring you get only the benefits you want from your health insurance plan. Get a quick, on-screen quote and purchase securely online today.

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Tailor your health cover to your needs

One size doesn’t fit all, that’s why our Freedom Elite health insurance plan gives you the option to personalise your level of cover to your own circumstances. You can add any of these options to your core cover.

Enhance your hospital list

Every Freedom Elite plan comes with the Standard hospital list included in the core cover. The standard Freedom Elite hospital list covers all private hospitals throughout the United Kingdom (UK) except for those hospitals listed under the optional London Plus hospital extension. The standard list includes all hospitals in the UK’s largest hospital groups, such as Circle Health Group, Nuffield Health, and Ramsay Health Care, the regional independent hospitals, and NHS hospitals which offer private patient facilities. The standard hospital list is provided to all our members.

If you would like more choice over where you are treated, you can select our London Plus hospital list extension which includes all HCA Healthcare UK facilities.

This information is correct at the time of writing. To find out more, check our Freedom Elite hospital list.

Outpatient cover

The outpatient cover benefit includes:

  • Diagnostic tests arranged by a GP (up to £750) except MRI, CT or PET scans which are already fully covered when referred by a specialist under your core cover.
  • Specialist fees, diagnostic tests and physiotherapy treatment when referred by a specialist.
  • Physiotherapy on GP referral up to a maximum of six sessions

Alternative therapies

The alternative therapies benefit includes cover for treatment by an osteopath, chiropractor, acupuncturist, homeopath or podiatrist up to the limit of the level of cover chosen when you are referred by your GP or a specialist.

Mental health cover

This benefit provides cover for the treatment of acute mental or psychiatric illness under the care of a mental health specialist, up to 45 days for inpatient and day-patient treatment, and up to £2,000 for outpatient treatment. Limits apply.

Private GP, Dental and Optical

With this benefit, you get cover for fees charged by a dentist for routine dental services (up to £300) or treating an accidental dental injury (up to £600), fees charged by an optician for eye tests, glasses, and contact lenses (up to £200), and fees charged by a private GP for medical services provided in their own surgery (up to £300).

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

Have any questions?

If you still have questions about our Freedom Elite medical insurance 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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It’s quick and easy to get an online, no-obligation private medical insurance quote. You can purchase securely online today or save your quote for later. Just click the button below and follow the instructions.

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