New Clients FAQs

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What is the difference between outpatient, day-patient and inpatient?

A patient who is attending a hospital appointment but is not admitted is an outpatient. A day-patient is admitted to hospital and given a bed for monitoring but does not stay overnight. An inpatient is admitted to a hospital and occupies a bed overnight or longer.

How long does it take for my health insurance application to be processed?

We aim to have applications processed within 5 working days.

Can I get a policy for 6 months?

All Freedom Health Insurance policies are annual policies, meaning that we don’t provide cover for less than a 12-month period.

How do I switch my existing private health insurance policy to Freedom Health Insurance?

You can talk to us or your broker, if you have one, about switching to Freedom Health Insurance if you already have private health cover with a different provider by giving us a call on 0800 999 2013*.

Can I add other family members to my health insurance policy?

Yes, you can add your child(ren) and/or partner to your Freedom Health Insurance plan. Get a quick online quote to see how much you can pay.  

What is the maximum age for adding my children to my policy?

You can add a child to your policy up to age of 24. Following their 25th birthday, they will remain on your cover until the policy’s renewal date.

What is the minimum age for a baby to be added to my health insurance policy?

We allow children to be added to a parent’s policy from the day they are born.

How can I get health insurance if I’m leaving my company scheme?

We offer you the opportunity to transfer cover from a group scheme to an individual Freedom policy on the same terms. This means that you will continue to be covered for all medical conditions you made eligible claims while being on the group scheme. Find out more.

What is GP24 and how does it work?

GP24 is our virtual GP service available under Freedom Elite and Freedom Essentials that gives you phone access to a GP 24 hours a day, 7 days a week, 365 days a year wherever you are. You get access to medical advice, reassurance and diagnosis when you need it the most. Visit the GP24 page to find out more.

What’s the difference between health insurance and travel insurance?

Travel insurance tends to cover travel cancellations, personal belongings and emergency medical treatment while travelling internationally for a limited time. The health benefits it includes are usually restricted to prevent expensive charges.

International health insurance, on the other hand, is designed to help ensure that you have access to private healthcare should you need it while living and/or working abroad for a long period of time (usually longer than 12 months).

What’s the difference between health insurance and life insurance?

They are completely different insurance products. Life insurance is designed to give financial security to your loved ones by paying out a lump cash sum if you die during the term of your policy. Health insurance covers the cost of medical treatment for acute conditions that start after your policy begins.

Find out more about health insurance.

How can I save money on my UK Freedom Health Insurance policy?

There are several ways you can do this:

  • Pay annually rather than monthly and save 6% of your annual premium.
  • Choose the 2-year fixed price guarantee when buying a new UK policy with us and rest assured that your premium will stay the same in your second year even when claims are made. Terms and conditions apply.
  • Choose a voluntary excess that works for you. The higher your excess, the lower your premium will be, but this also means that you will have to pay more money towards the cost of your treatment if you make a claim.
  • Select only the optional health benefits that you need, to avoid paying for something that you will never use.

Find out more about how your premium is calculated.

Are there any age restrictions to taking out a policy?

To take out a new Freedom Health Insurance policy, we require you to be between 18 and 70. Any children can be added to their parents’ policy from when they are born until they are 25.  

Although you cannot get a new Freedom plan above the age of 70, if you are already with us, we will continue your cover with no further age restrictions. Get a quick online quote.

Which factors will affect the cost of my health insurance?

The price of your Freedom Health Insurance plan is dependent on the number of people covered, their ages, the health benefits chosen and any additional options selected (i.e. excess level, monthly/annual payment). To find out how much your plan would cost, get a quick online quote. You can also find out more about how your premium is calculated here. If you have further questions, please contact us.

If I have medical insurance, do I still need to get travel insurance?

Private medical insurance is not travel insurance and it will not cover you for flight cancellations or loss of personal belongings during travelling. Many UK health insurance policies will also not cover you for health expenses abroad. They are different products, they cover different things and they are usually active for different periods of time.

Do you cover pre-existing medical conditions?

Like most other health insurance companies, we exclude any pre-existing conditions to try and make your policy more affordable. However, the type of underwriting you chose determines whether your pre-existing conditions will be covered in the future. If you would like further information about pre-existing conditions, please contact us.

Do you cover chronic conditions?

Medical insurance is not intended to cover conditions which require ongoing or regular treatment to maintain the stability of the condition. However, Freedom Health Insurance covers short-term treatment of unexpected acute exacerbations of the chronic condition which is necessary to stabilise the condition.

Do you cover emergency treatment?

Like most health insurance providers, we do not cover accident and emergency treatment. However, with Freedom Worldwide, depending on your cover level, we will cover you for emergency treatment if it’s outside your area of cover. 

Do you cover pregnancy?

We do not cover regular pregnancy medical procedures. However, pregnancy complications and a maternity cash benefit are available for all our policies. To find out more, please see our product pages.

Am I covered for cancer?

Cancer coverage is one of our top priorities at Freedom Health Insurance. That’s why our Freedom Elite and Freedom Worldwide plans provide a comprehensive cancer cover. With our Freedom Essentials plan, we provide a cancer cash benefit. To find out more about how each product deals with cancer, please visit the product specific pages or contact us.

Do you cover health checks under my policy?

Freedom policies do not provide cover for general health checks.

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