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Freedom Essentials

The essential health insurance plan that puts you in control while keeping the costs down.

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What is Freedom Essentials?

The Freedom Essentials private medical insurance plan has been created to give you full control of your healthcare while keeping your premium affordable. Whether you are looking for an individual policy just for you or you want to cover your whole family, the Freedom Essentials plan allows you to get treated in any hospital, anywhere in the world.

Fixed cash benefit

With Freedom Essentials you receive a fixed cash benefit with no annual limit for eligible inpatient and day-patient treatment which you can then use to get treated privately in the UK or abroad as a self-pay patient.

If you decide to use the NHS for your treatment, you will still receive 50% of the cash benefit to spend however you want.

Find out more information about the Freedom Essentials core cover.

Freedom Essentials - Fixed cash benefit

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Cancer Cash Benefit

We believe the NHS provides excellent treatment for cancer, so in order to keep our prices down, we don’t include traditional cancer cover in our Freedom Essentials plan.

Nevertheless, we understand the impact cancer can have on someone’s life and we know that a little support can really help. That’s why Freedom Essentials offers a fixed cash benefit as part of a course of active cancer treatment for medical procedures and chemotherapy or radiotherapy which you can use towards the cost of private treatment or to perhaps offset some of the other expenses you might face during this time.

Why choose Freedom Essentials

Fixed Cash Benefit

Fixed Cash Benefit

Get a fixed cash benefit with no annual limit for your eligible inpatient or day-patient treatment.

Affordable Pricing

Affordable Pricing

Look after your health and your wallet with an affordable private medical insurance plan.

No Hospital List

No Hospital List

Choose the consultant and the hospital you want for your treatment anywhere in the UK or abroad.

2-Year Fixed Premium

2-Year Fixed Premium

Ensure your insurance premium stays the same in the second year even if you make claims. Ts&Cs apply†.

Optional outpatient cover

By selecting the optional outpatient treatment benefit, you will get cover for the following:

  • Diagnostic tests requested by a GP
  • Specialist fees and physiotherapy
  • Outpatient procedures
  • Routine dental costs
  • Optical costs
  • Maternity cash benefit

Find out more about the additional cover options.

What’s not covered

  • Treatment for cancer in a private facility
  • Complications following overseas treatment
  • Accident and emergency (A&E) treatment
  • Pre-existing conditions - treatment for conditions or symptoms you had before you joined us
  • Chronic conditions – ongoing, recurrent or long-term conditions such as asthma or diabetes

For a full list of exclusions see the Policyholder’s Guide to Cover.

If you still have questions regarding our Freedom Essentials health plan, read our FAQs.

Make it even cheaper

Freedom Essentials has been designed to offer affordable health cover, but if you are looking to further reduce your premium, here are a few quick tips:

  • Save 6% when paying annually
  • Ensure your premium doesn't increase at your first renewal by selecting the 2-year fixed premium option. T&Cs apply
  • Bring the cost down by choosing the excess that works for you. £100 compulsory excess applies.
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Important documents

Find out more about Freedom Essentials from the policy literature below:

All documents

†2-year fixed premium terms and conditions