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Freedom Worldwide

Health protection for you and your family - one less thing to worry about when you live and work abroad.

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Get a Worldwide quote

If you are interested in a Freedom Worldwide health insurance plan, contact our friendly team for a free, no-obligation quote.

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What is Freedom Worldwide?

Whether you are just moving abroad or have lived and worked outside the UK for a while now, you know how important it is to have your health and your loved ones’ health protected. With our international health insurance plan, you can rest assured that your health insurance is in good hands.

What's covered by all Worldwide plans

Wherever life takes you, we’ve got you protected through one of our 5 available levels of cover. No matter what level you choose, this will include full cover for:

  • Treatment for acute conditions when you have to be admitted in a hospital (inpatient or day-patient)
  • Cancer treatment
  • Emergency dental treatment that requires hospital admission - individual limits apply
  • MRI, CT, PET scans
  • Surgery when not admitted in a hospital (outpatient) - individual limits apply
  • Medical evacuation and repatriation
  • Compassionate emergency visit when a member of your family is critically ill in a different country

To find out more about limits and what’s covered see our Policy Summary.

Why choose Freedom Worldwide

Not only for UK expats

Not only for UK expats

You don’t have to be a UK expat to get this plan. Most nationalities and countries of residence are eligible.

Choice of currency

Choice of currency

Pay your premium and receive benefits in one of the three currencies (£/$/€) and avoid expensive exchange fees.

International flexibility

International flexibility

Get an easy transfer to our Elite plan when you return to the UK under the same terms as your Worldwide policy.

Three simple steps to get the right cover for you

Finding the right international health insurance plan for you and your family may be easier than you think.

1. Choose your area of cover

Choose between 3 areas:

  • Europe
  • Worldwide excluding the USA
  • Worldwide

You're covered everywhere in your area, whether you're at home, on holiday or on a work trip. Travelling to a specific destination for the sole purpose of receiving treatment will not be covered. See the full list of countries covered

2. Choose the cover level that suits you

With 5 levels of cover to choose from, you can be sure to find one that’s right for you:

  • Bronze – for the essential cover including full inpatient and day-patient treatment
  • Silver – a good value policy which includes cover for outpatient treatment
  • Gold – for more reassurance including cover for dental treatment and a maternity benefit
  • Platinum – one of our popular choices offering a wide range of benefits
  • Diamond – for the most comprehensive cover, including cover for outpatient treatment with no overall monetary limit (limits apply for psychiatric treatment and routine health checks)

Each higher level of cover is adding extra benefits or higher benefit limits to the level below. For more information see the Worldwide Policy Summary.

3. Manage your health insurance costs

In order to help you manage your costs, Freedom Worldwide offers a few options:

  • Choice of currency – choose between Pound Sterling (£), American Dollars ($) or Euros (€) when paying your premiums and avoid currency exchange fees. Reimbursement of claims will be made directly to you in the same currency
  • Choice of excess – choose your voluntary excess amount and receive a discount between 5% and 40% off your annual premium
  • Choice of payment periods – choose between monthly, quarterly or annual payments in order to better manage your finances

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What's not covered

  • Pre-existing medical conditions - treatment for conditions or symptoms you had before you joined us
  • Infertility treatment
  • Treatment not pre-authorised in advance (apart from outpatient treatment or dental treatment)
  • Cosmetic surgery
  • Professional sports injuries

For a full list of exclusions see the Policy Document.

If you still have questions regarding our Freedom Worldwide health plan, read our FAQs.