Expert physiotherapy, without a GP referral
Freedom Physiotherapy gives eligible members direct access to physiotherapy support without needing a GP referral. The service is part of Freedom 360, our health and wellbeing toolkit.
Freedom Physiotherapy is available to eligible Freedom Elite, Freedom Essentials and Freedom Worldwide UK members whose policy includes outpatient physiotherapy benefits. Treatment through this service is available in the UK only.

Who delivers Freedom Physiotherapy?
Ascenti Physio is a UK provider of musculoskeletal physiotherapy with over 25 years of experience. It has 300+ registered physiotherapists across 300 clinics, and 90% of the UK population lives within 3 miles of an Ascenti clinic.
Through this partnership, you can have an initial virtual assessment with a physiotherapist, who will assess the problem and recommend the most appropriate support or treatment for you. This may include exercises and advice to follow at home, virtual sessions or face-to-face treatment where clinically appropriate.
- 25+ years of musculoskeletal physiotherapy
- HCPC-registered physiotherapists
Benefits of Freedom Physiotherapy
Freedom Physiotherapy provides a straightforward route to assessment and treatment for eligible muscle and joint problems. The service is delivered by Ascenti and is available if your policy includes outpatient physiotherapy benefits.
No GP referral required
Call the dedicated Freedom Physiotherapy line or email our claims team. We will check your cover and eligibility.
Initial virtual assessment
Once your eligibility is confirmed, we will book a 30-minute initial virtual assessment for you with an Ascenti physiotherapist, who will assess the problem and recommend the most appropriate support or treatment for you.
Treatment based on your needs
Depending on your needs, your physiotherapist may recommend self-management, virtual treatment or face-to-face physiotherapy.
Personalised rehabilitation support
You may receive a personalised rehabilitation programme through the Ascenti Reach app, with up to six months’ access.
Direct billing with Ascenti
Ascenti bills Freedom Health Insurance directly. The initial virtual assessment is paid in full, with no excess, and is not taken from your outpatient limit. Follow-up treatment is subject to your policy excess, limits and terms.
How to access Freedom Physiotherapy
Contact Freedom Physiotherapy
No GP referral is required for eligible muscle and joint problems. Call the dedicated Freedom Physiotherapy line or email the claims team, and the Freedom Health Insurance claims team will check your cover and eligibility.
Initial virtual assessment
Once your eligibility is confirmed, we will book a 30-minute initial virtual assessment for you with an Ascenti physiotherapist.
Your recommended next steps
The physiotherapist will assess your needs and recommend the most appropriate support or treatment for you. Any recommended treatment must be authorised by Freedom Health Insurance before it begins and remains subject to your policy terms and available benefit limits.
Self-management
Guided exercises and advice to help manage symptoms and support recovery independently.
Virtual treatment
Physiotherapy sessions you can attend remotely from home.
Face-to-face treatment
In-clinic physiotherapy with hands-on assessment and personalised treatment, where clinically appropriate.
Access Freedom Physiotherapy
If you have a muscle or joint problem and your policy includes outpatient physiotherapy benefits, contact the Freedom Health Insurance claims team to check your eligibility.
Contact Freedom Physiotherapy
Call the dedicated Freedom Physiotherapy line or email our claims team, and we will check your cover and eligibility for the service.
Manage your appointments
For appointment changes, cancellations or treatment queries once your appointment is booked, contact Ascenti directly. Please give at least 24 hours’ notice for cancellations.
Freedom Physiotherapy FAQs
Physiotherapy can help with a range of acute musculoskeletal problems, including back and neck pain, joint pain affecting areas such as the shoulder, knee or hip, and muscle strains and sprains. Cover and eligibility are subject to your policy terms.
No. Call the Freedom Health Insurance claims team on the dedicated Freedom Physiotherapy line, 01202 756 357, or email claims@fhi.co.uk. We will check your cover and eligibility before arranging the next step.
Yes. You can still contact the Freedom Health Insurance claims team if your GP has already referred you. We will check your cover and eligibility before arranging the next step.
Conditions that existed before your cover started are usually treated as pre-existing and may not be covered, depending on your policy. Full details can be found in your policy documents, and our team can help if you have questions about your cover.
Freedom Health Insurance pays the cost of the initial virtual assessment in full. No excess applies, and the cost is not taken from your outpatient limit. Eligible follow-up treatment is subject to your policy excess, available outpatient limit and other applicable policy terms.
No. You can choose another physiotherapist if you prefer. Contact Freedom Health Insurance before arranging treatment so we can check your cover and explain the claims process. Treatment remains subject to your policy terms.
98% of initial virtual assessments are available within one working day, subject to availability.
Yes. If face-to-face treatment is clinically appropriate, your Ascenti physiotherapist can arrange treatment through the Ascenti clinic network, subject to availability. Any further treatment must be authorised by Freedom Health Insurance before it begins.
Contact Ascenti directly by email, live chat or through its online contact form. Appointments cannot be cancelled by SMS. Please provide at least 24 hours’ notice. If you cancel with less than 24 hours’ notice, Freedom Health Insurance may charge you for the appointment. This applies to virtual and face-to-face appointments, and you will be told about the charge when your appointment is booked.
Once your appointment is confirmed, you will receive the relevant clinic details by email or text. You can also use Ascenti’s online clinic finder to view clinic locations.
During your initial virtual assessment, your physiotherapist will discuss your symptoms and medical history, assess your needs and recommend the next steps. These may include exercises and advice to follow at home, virtual sessions or face-to-face physiotherapy. The assessment lasts approximately 30 minutes.
Your physiotherapist may recommend personalised exercises to complete at home as part of your treatment plan. It is important to follow their advice, as ongoing cover may depend on you following the recommended plan.
This will depend on your needs and the treatment your physiotherapist recommends. Any treatment must be authorised by Freedom Health Insurance and is subject to your policy terms and remaining outpatient limit.
The initial virtual assessment lasts approximately 30 minutes. The length of any follow-up appointments may vary depending on the type of treatment provided.
Support for your recovery
Freedom Physiotherapy is part of Freedom 360, our health and wellbeing toolkit, for eligible members, subject to policy terms.
Freedom Physiotherapy is delivered in partnership with Ascenti and is available if your policy includes outpatient physiotherapy benefits. The initial virtual assessment is paid in full, without an excess, and is not taken from your outpatient limit. Any further treatment is subject to normal policy terms and conditions, including any remaining outpatient limits, any excess, and other relevant exclusions or limitations. Appointments are subject to availability.
