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Essentials Optional Benefits

The optional outpatient cover lets you enhance your Essentials plan while helping to keep the costs manageable. Personalise your quote online and purchase on our website securely when you’re ready.

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Enhance your cover with outpatient treatment

The Essentials health insurance plan offers an optional outpatient treatment bundle which adds extra health benefits to your health insurance plan. This covers a range of medical services when they take place in the United Kingdom.

  • Diagnostic tests requested by a GP

This covers the costs associated with diagnostic tests when they are requested by your GP up to the value of £500. These don’t include MRI, CT and PET scans requested by a GP.

  • Specialist fees and physiotherapy treatment

This covers the costs associated with consultations with a specialist, diagnostic tests and the fees charged by a physiotherapist up to level of cover chosen (£500 or £1,500). Other limits may apply.

  • Outpatient procedures

Fixed cash benefit towards the cost of minor outpatient procedures needed to treat an acute condition.

  • Routine dental costs

You will be covered for the fees charged by a dentist for routine dental services to maintain oral hygiene for up to £150.

  • Optical costs

This will cover the costs of eye tests, prescription glasses and contact lenses up to £150. We will only pay for glasses and contact lenses if you need a first prescription or your existing prescription has changed.

  • Maternity cash benefit

A cash benefit of £150 will be paid for each child born after the start date of your policy as long as you have had the policy for at least 10 months before the child was born.

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.


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It’s quick and easy to get an online, no-obligation private medical insurance quote. When you’re ready to purchase, you can buy online securely in just a few minutes.

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