International Health Insurance | Freedom Health Insurance

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Health protection for you and your family - one less thing to worry about when you live and work abroad.
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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 expatsYou don’t have to be a UK expat to get this plan. Most nationalities and countries of residence are eligible.
Choice of currencyPay your premium and receive benefits in one of the three currencies (£/$/€) and avoid expensive exchange fees.
International flexibilityGet 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.

Worldwide Cover World Map

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.

Health Insurance Benefits Icons On Wooden Blocks Healthcare Levels

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.

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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.

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*Calls may be recorded and monitored for quality and training purposes.

Freedom Health Insurance and Freedom Health are trading names of Freedom Healthnet Ltd © 2020. Freedom Healthnet Limited is authorised and regulated by the Financial Conduct Authority with the registration number 312282. Company registered address: Freedom Healthnet Ltd, County Gates House, 300 Poole Road, Poole, BH12 1AZ. Company registration number: 04815524. The guidance contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.