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Freedom Worldwide International Health Insurance

International health insurance 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 and you’ll be covered for healthcare costs abroad.

What's covered by all Worldwide plans

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

  • Medical 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, benefits and what’s covered see our Table of Benefits.

Why Choose Freedom Worldwide

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Not only for UK expats

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

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Choice of currency

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

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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. Here’s how you can get the best global health insurance cover:

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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 business trip. Travelling to a specific destination for the sole purpose of receiving medical treatment will not be covered in your health insurance. See the full list of countries covered

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2. Choose the cover level that suits you

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

  • Bronze – for the essential medical 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 international health insurance covers, 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 health insurance cover is adding extra benefits or higher benefit limits to the level below. For more information see the Worldwide Table of Benefits.

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3. Manage your international health insurance costs

In order to help you manage your costs, our international health insurance 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.

International Health Insurance FAQ

What is international health insurance?

International health insurance is a type of healthcare insurance policy which is designed to cover those who are abroad for a sustained period of time for medical costs and treatments. You might look to take out international health insurance if you are moving to another country or have been working outside of the UK for a long time to ensure you’re covered for any private medical costs should you require any treatment abroad.

How do I get international health insurance?

Here at Freedom Health Insurance, we’ve made the process of getting international health insurance easy for individuals and families. Simply choose the area of cover you need, the level of cover required (each level provides different benefits) and how you would like to manage your policy’s costs. You can get a quote or ask us any questions by getting in touch.

How much does international health insurance cost?

How much international health insurance will cost depends on the policy you choose, the area you need cover for and the amount of cover you would like. To find out how much our international health insurance will cost you, get a free, no obligation by contacting us.

What are the benefits of international health insurance?

Having international health insurance ensures that you and your family’s health is protected when living or working abroad so that you’re covered for any medical treatment costs. If you choose to take out international health insurance with us, you can benefit from:

  • Access to private healthcare - having international health insurance allows you to access hospitals and have medical treatment at a time that suits you. 

  • Protection from financial loss - medical expenses can be costly and you don’t want to end up out of pocket for essential treatments. Our international health insurance policies can cover these costs.

  • Support when you need it most - we offer a personal customer service and you can rely on our expertise to guide you through any issues or assist with queries.

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