Private Business Intermediaries

Elite: The Facts

Clip board, key benefitsIf you are looking for a comprehensive health insurance policy that gives you flexibility and great cover without stretching your budget then look no further. Freedom Elite offers many key health benefits as standard:


Freedom Elite Keyfacts DocumentBelow is a representation of the key benefits of Elite. To see a comprehensive guide please read the Elite Key Facts document.

Cancer Cover

Cells oncologyWe know that cancer has become one of the most distressing diseases of the 21st century. With hundreds of cases diagnosed every day, we understand that cancer cover is very important. That is why all our Freedom Health Insurance policies have cancer cover included as a standard benefit. To find out more information about this click here

Inpatient & Daypatient Benefit

In-patient When you need to be admitted in a hospital, you will be covered in full for a wide range of diagnoses and treatments (as long as you use a hospital from your chosen Elite Hospital List):
  • MRI, CT and PET scans
  • Specialist fees
  • Hospital accommodation
  • Dental surgery
  • Pregnancy complications
  • Physician and therapist fees including physiotherapist (referral by a medical practitioner, consultant)

Outpatient Cover (Optional)

Out-patientFreedom Elite covers specialist consultations, treatments, tests and procedures (e.g. X-rays)  that don't require you to be in hospital for more than a few hours. We also cover physiotherapy for up to 6 visits when referred by a General Practitioner. 

Alternative Therapies Cover (Optional)

Flower, alternative therapyAlternative therapies could be used to complement standard medical treatment. With Freedom Elite you have the option to be covered for Osteopathy, Chiropractic, Acupuncture, Homeopathy and Podiatry treatment when referred by a GP or specialist (up to 6 visits). 

Psychiatric Care (Optional)

Brain, psychiatric careMental health is extremely important in the way we live our daily lives and mental illness can carry a heavy emotional cost for us and our families. Freedom Elite offers psychiatric cover as an optional benefitso you can always be sure that you are looked after. 

Private GP, Dental & Optical Cover (Optional)

GP dental opticalSome health issues can sometimes become extremely annoying if you don't deal with them quickly. With the Freedom Elite policy you can get covered for routine dental treatment and accidental dental injury, consultations carried out by an optician, prescription glasses and contact lens and private GP including consultations, investigations and minor surgery within pre-defined annual limits, so you will never be caught by surprise. 

General conditions & exclusions

  • 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 assisted 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
This is not a full list of the exclusions, please see our Key Facts policy summary for further information.