Private Business Intermediaries

Freedom Essentials Health Insurance

Get full control of your health cover with the cost-conscious health insurance policy. Choose how to use your money your way. 

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Choose how to use your money

With Freedom Essentials you make the decision:

  • How to Use Your Money - Choose whether you would like to be treated privately or on the NHS and receive a fixed cash benefit.
  • Where to Get Treated -  Choose any private hospitals in the UK or worldwide. You are not restricted by any hospital lists.

Essentials Key Features

Health cover cash

Receive a fixed cash benefit if treated privately or 50% of the cash benefit if treated through the NHS.

medical insurance fast treatment

Get a treatment at a time that suits you, without long waiting lists.

Health cover insurance worldwide


Choose the hospital and consultant that you want in the UK or abroad.

insurance health oncology cover

Get a fixed cash benefit for cancer related procedures, chemotherapy or radiotherapy.


A policy that is as flexible as you need it to be... 

With Freedom Essentials you choose how to use your money and where and how you would like to use your policy.

You Choose How:

We keep it simple. You pay for your health cover – you decide how to use it:
  • If you choose private healthcare for your inpatient treatment, you will receive a fixed cash benefit based on the average cost of treatment (excluding central London). Any difference between how much your treatment costs and your policy allowance is for you to keep. However, if the treatment is more than the cash benefit, you are responsible for paying the difference. 
  • If you want to use the NHS, you will be entitled to 50% of the cash benefit that you can use however you like.

You Choose Where:

You can get treated anywhere, worldwide. Freedom Essentials health insurance gives you the opportunity to choose the world's healthcare centres that meet your health needs.

You could get treated in a:
  • NHS hospitals –  You get 50% of the fixed cash benefit to spend as you wish.  
  • Private centre:
    • In the UK – You are a cash buyer so you can shop around. You can pocket any saving or top up as required.
    • Abroad – You can be treated anywhere around the world. Again, you pocket any savings you make.

Find out how much money you could get for using the NHS and some common treatment costs in private medical centres

You Choose When:

Life is busy. With the Freedom Essentials health insurance plan you can choose to get treated at a time that is most convenient to you. You may get prompt treatment with the NHS or choose a private health centre which is able to provide treatment at short notice.

About Essentials medical insurance
How Essentials medical insurance works
How much private medical treatment might cost