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How to make a Freedom Worldwide claim

Wherever you are in the world, you can easily make a Freedom Worldwide health insurance claim.

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How the Freedom Worldwide claims process works


See your doctor

If you’re feeling unwell and need to see a doctor, they might require you to get further investigations and treatment. Depending on the type of medical service you need, please follow the guidance below:

Making a claim for inpatient or day-patient treatment

If you require inpatient or day-patient treatment (when you need to be admitted in a hospital), you must obtain a pre-authorisation from us first.

  • Step 1: To do this, contact our international claims team on +44 (0)1202 283 580* or at [email protected] as soon as you are referred to a hospital. We will ask about your symptoms, the procedure needed and your preferred hospital or clinic.
  • Step 2: We will then contact your doctor and the hospital to gather further information. We’ll make a decision about your claim and advise you on what to do next.
  • Step 3: After your claim is authorised, you receive your treatment and we settle your bills directly with the healthcare provider. If any excess applies, we’ll deduct this from the first payment or let you know how to pay it.

Making a claim for outpatient treatment

For any outpatient treatment (when you don’t have to be admitted in a hospital) you don’t need to contact us for a pre-authorisation, but we are always happy to answer your queries if you need our help.

  • Step 1: Receive and pay for your treatment at the hospital or clinic of your choice.
  • Step 2: Fill in a claim form and send it along with a copy of the itemised invoice and the receipt by email to [email protected], by fax at +44 (0)1202 756351 or post it to Freedom Health Insurance, County Gates House, 300 Poole Road, Poole BH12 1AZ, United Kingdom. You can find the medical treatment and dental treatment claim form down below or you can download them from our documents page.
  • Step 3: If your claim is accepted, we will refund you the expenses which are covered by your policy.

If you require urgent medical attention or you’ve been medically evacuated, please contact us as soon as possible on +44 (0)1202 756 350*.

Claims helpline

If you want to make a Freedom Worldwide claim contact us today:

+44 (0)1202 283 580*
Monday - Friday: 9am - 6pm (UK time)

[email protected]


How long will it take for my claim to be processed?

Once your inpatient or day-patient claim is approved, you don’t need to worry about the payment, as we settle the bills directly with the healthcare provider. For outpatient treatment, we will refund your eligible expenses within 21 days of receiving your claim form and all the required documentation.

What documentation do I need when making a claim?

You can always check your policy documents to find out if you’re covered for a certain condition before you contact us. You’ll also need your policy number and the contact information of your medical practitioner and hospital or clinic. If you are claiming for outpatient treatment, you will need a fully completed claim form (find one above), copies of your itemised invoice(s), copies of your receipt(s) and a copy of your prescription if you are also claiming for medication.

What happens if I arrange for my inpatient or day-patient treatment before I contact Freedom Health Insurance?

If you require inpatient or day-patient treatment, it is very important that you contact us before you book your appointment. This is also known as pre-authorisation and it helps us to better manage your claim and keep control of costs. If you do not pre-authorise inpatient or daypatient treatment, we may only be able to cover 50% of your medical costs.

What information will you ask me when I make a claim?

We will ask you about your medical symptoms, about your GP visit and the name of the specialist and hospital you are being referred to. Don’t forget to have your documents and policy number on hand when you contact us.

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