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How to make a claim

Making a health insurance claim doesn’t have to be stressful and complicated. Our claims process is simple, efficient and personal.

Make a UK claim

To make a claim for one of our UK policies please email us at [email protected] or phone us Mon-Fri 9am-6pm on the number below. 01202 283 580*

Contact us

Make an international claim

To make a claim for Freedom Worldwide policies please email us at [email protected] or phone us Mon-Fri 9am-6pm (UK time) on the number below. +44(0)1202 756 350*

Contact us

Making a Reimbursement Claim?

You can use our quick and easy form to make a reimbursement claim for your dental, optical and private GP costs or for claiming your maternity cash benefit.

Make a reimbursement

How to make a health insurance claim

Choose your health insurance product from the list below to find out everything you need to know about making a claim.


Freedom Elite Claims

Making a Freedom Elite claim is simple, with no claim forms to fill in. Choose where you want to get treated from your hospital list and we will settle the bill directly with your private healthcare provider, so you can concentrate on getting better. If you choose the NHS instead, we will pay you a cash benefit after you’ve been discharged.

How to make a Freedom Elite claim


Freedom Essentials Claims

If you are a Freedom Essentials policyholder and you need inpatient or daypatient treatment, you can claim a fixed cash benefit that will be paid directly to you, so you can use it at any hospital in the UK or abroad. If the hospital charges you more than the cash benefit, you are responsible for paying the difference. If you are charged less, the extra amount is yours to keep.

How to make a Freedom Essentials claim


Freedom Worldwide Claims

If you have a Freedom Worldwide policy, we are usually able to arrange your inpatient and day-patient bills directly with your doctor or hospital. This means that you can focus on your recovery while we take care of your medical bills.

If you require outpatient treatment, you pay the costs at the time of the treatment and send us a claim form with the invoices and receipts. If we accept your claim, we will refund the money to you.

How to make a Freedom Worldwide claim

Choosing a private consultant or hospital within the UK

You can find independent information about the quality and cost of private treatment available from doctors and hospitals from the Private Healthcare Information Network (PHIN)


Our claims promise

We understand how important it is to have an insurance provider you can rely on and who can get things done quickly and accurately. This is exactly what we aim to achieve.

Your call will be answered within one minute.

We aim to respond to emails within two working days.

Make reimbursement claims online for faster reimbursements directly to your bank account.