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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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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 international health insurance?

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 for yourself and your family.

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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 cover for:

  • Medical treatment for acute conditions when you have to be admitted to 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 to a hospital (outpatient) - individual limits apply
  • Medical evacuation and repatriation (under Freedom Worldwide Bronze, this is covered only if an inpatient admission is required)
  • 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 buy our international health insurance?

Not only for UK expats

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.

Choice of currency

Choice of currency

Pay your premium and receive healthcare 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.

How to buy international health insurance

Finding the right international health insurance plan for you and your family may be easier than you think. Here are our three simple steps to getting the global health insurance cover you need:

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. 

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 and your family:

  • Bronze – for the essential medical cover including full inpatient and day-patient treatment and limited outpatient cover.
  • 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.

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 FAQs

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 and your family 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.

You can find out more about international health insurance here. Please feel free to contact us if you have any questions regarding our Worldwide policy.

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, who needs to be covered under the policy (such as yourself, you and your children, you and your partner or your family members), 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 Worldwide health insurance will cost you, get a free, no obligation quote 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 and your family 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 global 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.

  • Your partner and/or children can also be covered under our international health insurance, giving you peace of mind that all of the family can receive the medical treatment they need should it be required.

How does international health insurance work?

International health insurance can cover you and your family if you need to work outside of the UK or are moving abroad. If you or someone else covered by your policy (such as a partner or children) falls ill or suffers from an acute condition, you should firstly visit a doctor who may refer you to a medical specialist. You’ll then usually need to get in touch with your health insurance provider if you would like to claim for medical treatment under your plan. Find out how you can make a Freedom Worldwide claim. 

What’s the difference between international medical insurance and travel insurance?

There is often confusion surrounding medical insurance and travel insurance. Here are some of the main differences between the two:

  • Who it is designed for - travel insurance is a short-term insurance plan (less than a year) for people going on holiday or on short trips abroad. On the other hand, international medical insurance is designed to offer cover for those who live and work abroad for prolonged periods of time (over 12 months).

  • What it covers - travel insurance usually offers protection for trip cancellations, loss of possessions (such as luggage) and emergency medical treatment. In contrast, global health insurance can cover treatment for routine healthcare (not just emergency treatments) amongst other medical treatments depending on the level of cover their policy provides. 

Who is Worldwide health insurance suitable for?

Our international health insurance cover is designed for people who live and work abroad, including:

  • Those who are moving abroad, whether this is alone or with their family.

  • Seasoned business travellers or those who often work outside their country of residence for long periods of time.

  • Expats who are looking to access better healthcare. Our policy is not limited to UK expats, we can cover most nationalities and countries of residence.

If you're wondering whether our global health insurance is right for you, please feel free to get in touch with us today - we’ll be happy to help.

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