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Essentials Core Cover

A health plan designed to cover your essential healthcare needs must start with a good core cover.

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The fundamentals of Freedom Essentials

The Freedom Essentials core cover has no annual limit and gives you the freedom to get inpatient medical treatment anywhere in the world. 

Inpatient and day-patient treatment

Receive a fixed cash benefit towards the cost of eligible treatment when you have to be admitted in hospital and arrange treatment directly with the hospital of your choice in the UK or abroad.

The fixed cash benefit amount is based on the national average cost (excluding central London) of the same treatment when carried out under a self-pay contract. If your treatment cost is less than the cash benefit received, you can keep the difference. If it’s more, you will be responsible for any shortfall.

If you decide to use the National Health Service (NHS), you will receive 50% of the usual fixed cash benefit payable for private treatment and this can be used however you desire.

Examples of the benefit amounts we pay can be found in the Essentials Procedure Payment Guide.

Cancer cash benefit

Freedom Essentials offers a fixed cash benefit equal to 50% of the fixed cash benefit shown under the inpatient and day-patient benefit for active cancer treatment. On top of this, we also pay £150 for each session of chemotherapy or radiotherapy as part of a course of active cancer treatment. There is no annual limit for the cancer cash benefit.

Extra health benefits

The fixed cash benefit offered by the core cover will also be paid towards the cost of:

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 Essentials health plan, check out our Essentials FAQs or give us a call on 0800 999 2013* and speak to one of our friendly team members.

FAQs

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