Feb 14 2022
Love Your Heart
WellbeingFor Valetine’s day, we’re raising awareness of the things you can do every day to show love to your heart.
Read MoreGet access to private healthcare when you need it the most with our private medical insurance cover.
Get a quotePrivate medical insurance (PMI) is designed to cover the cost of private medical treatment for illness and acute conditions that arise after the start of the policy. An acute condition is a disease, illness or injury that is likely to respond quickly to medical treatment which aims to return you to the state of health you were in immediately before suffering any symptoms, or which leads to your full recovery.
Having a private medical insurance policy gives you access to private medical facilities and treatment at a time and location that suits your schedule, giving you confidence that you’ll have the medical support and financial protection when you need it the most.
Find out more about how private health insurance works.
Depending on your situation and budget, there are several types of private health insurance plans you can choose from with different benefits:
Apply for private medical insurance now and we will get back to you with a free, no-obligation health insurance quote for the cover that best suits your needs.
With most health insurance policies, you choose the health benefits you want and pay your premium monthly or annually.
Then, if you fall ill, you should see your GP who may refer you for further tests or diagnosis to a specialist.
This is the moment when you need to get in touch with your private medical insurance provider if you want to get private treatment under your private medical insurance plan.
With Freedom Health Insurance you get a hassle-free claims process, with no claim forms to complete and with a personalised service to support you all the way. You usually deal with the same friendly adviser throughout your claim process, making your experience as smooth as possible.
Find out how much health insurance could cost.
A private medical insurance policy, depending on the options chosen, could cover you for:
It can be difficult to know what to look for when buying health insurance. That’s why it’s important to compare different health insurance policies by getting quotes from different providers for different levels of cover so you find the most suitable protection. This will help you compare the costs against the benefits so you can make an informed decision on which private medical insurance cover will be best for your individual needs.
Apart from the health benefits you can select for a private medical insurance plan, there are a few other things to consider when looking at different insurance products.
Similarly to car insurance, some private health insurance providers may offer an important discount, usually at the start of the policy, to encourage customers to take out their cover. How the ‘no claims discount’ impacts your premium is often not clear and you may only discover the true premium when you have made a claim and your costs go up significantly.
This type of policy may discourage the insured person from claiming, making the whole point of having the cover questionable. You never know when you may need treatment and the time following a serious illness is not the best time to be facing escalating health insurance costs.
At Freedom Health Insurance, we believe in sustainable and therefore more predictable pricing which can help with your personal budgeting. Because of this, we operate a community rated premium which means that we don’t usually increase your renewal premium as a result of you making a claim.
Adding an excess to your private medical insurance policy is a good way of keeping costs down. An excess is the sum of money you agree to pay towards any claims. The higher the excess amount you agree to, the lower your premiums will be.
Some health insurance providers ask you to pay the excess towards each claim, while others, like Freedom Health Insurance, ask you to pay it only once per person per insurance period, regardless of the number of claims you make.
Most private medical insurance policies allow you to pay monthly or annually with annual payments often coming with a discount. Freedom Health Insurance offers a 6% discount when paying annually, helping you to reduce the overall cost of your plan.
Depending on the health insurance plan you want, you may have to choose a hospital list which contains all the private hospitals you can access as part of your cover. These may include NHS private wings or wards, independent private hospitals and private hospital networks.
You should be aware though, that if your chosen consultant does not practice at the hospital on your list, you probably won't be able to use them. Whilst many consultants work in the NHS, not as many treat their private patients in NHS private beds.
With Freedom Elite, you have a good range of hospitals included in our standard hospital list, with only a few of the very expensive facilities in central London and elsewhere listed separately as an option. Our Freedom Essentials policy is a bit different as it pays you a fixed cash benefit for medical treatment which allows you to use any hospital in the UK or abroad for your treatment.
If you have a health plan in place but you are not happy with your cover or maybe you are looking for a better price, contact us. You may be able to transfer to Freedom on the same terms as your current policy.
Contact usGetting a health insurance quote from Freedom Health Insurance is quick and simple. Compare our products, personalise your cover and purchase online in just a few minutes.
Get a quotePrivate medical insurance is a type of insurance policy which is designed to cover the costs of private healthcare for acute conditions from diagnosis to treatment. Essentially, private medical insurance gives policyholders easy access to medical treatments and facilities.
Here at Freedom Health Insurance, you can choose whether you would like to pay for private medical insurance on a monthly or annual basis.
The cost of private medical insurance varies due to a range of factors, such as the policyholder’s age and the type of health insurance policy selected. Find out more about how much private medical insurance costs or get a quote here.
Here at Freedom Health Insurance we’ve made getting private medical insurance easy. All you need to do is fill out an online quote form with your personal details, who you want your policy to cover and your health cover choices. We’ll then send you a quote for the health insurance policy that best suits your needs and you can continue to complete the online application.
Private medical insurance doesn’t usually cover treatment of long-term (chronic) conditions, where this is focused on keeping the symptoms under control. It also doesn’t usually cover:
For a full list of what’s not covered, check the policy documents for your health insurance plan.
No, you don’t. However, you may need to answer some questions about your medical history or we might need to contact your GP. We’ll always tell you if that’s the case. Just give us a call and we’ll tell you if we need more information before giving you a quote.
Private medical insurance does not generally cover pre-existing conditions; however, some conditions might be covered after 2 years if you had no symptoms, treatment or medication in that period, depending on your underwriting.
An insurance premium is the amount you pay monthly or annually for your health insurance policy. Your premium is reviewed once a year and it could change depending on factors such as your age or medical inflation. We usually won’t increase your premium for making a claim.
Yes. Private health insurance is not meant to replace the NHS, but to work alongside it as some things are not covered by private medical insurance (such as emergency services or pre-existing health conditions). For more information see NHS vs Private Healthcare.
†2-year fixed premium terms and conditions
Feb 14 2022
For Valetine’s day, we’re raising awareness of the things you can do every day to show love to your heart.
Read MoreJan 11 2022
Is winter affecting your mental health? We’ve put together some helpful tips to help you manage the winter blues.
Read MoreDec 17 2021
Not all Christmas food is bad for you! Here are 5 healthy festive foods that you can include in your Christmas dinner.
Read MoreOct 27 2021
Eating healthy is crucial in keeping your immunity in check. Here are 5 vegetables to include in your diet this autumn.
Read More