Freedom Worldwide Non-EEA

For people whose principal country of residence is outside the European Economic Area. It is available as an individual policy or through an employer’s group scheme for three or more employees. Premiums and benefits are in euros, pounds sterling or US dollars.

See what is coveredSee how it is structured

Already covered and need treatment? How to make a Freedom Worldwide Non-EEA claim

This page is a summary of the main benefits and the most significant limitations of Freedom Worldwide Non-EEA. Your certificate of insurance confirms who is insured and the cover that applies. If you are already covered, your full policy wording is in the Freedom Health Insurance Claims Portal (opens in a new tab).

Structure

How the policy is structured

01Where

Area of cover

Europe, worldwide excluding the USA, or worldwide.

02What

Level of cover

Bronze, Silver, Gold, Platinum or Diamond.

03Cost

Voluntary excess

Optional. It can reduce the premium.

Area of cover

Where treatment is covered

Europe

Eligible treatment in the European countries covered by the policy. Your broker, adviser or our team can confirm which countries are included.

Worldwide excluding the USA

Eligible treatment anywhere in the world apart from the USA.

Worldwide

Eligible treatment anywhere in the world, including the USA.

The area of cover is confirmed on the certificate of insurance. Cover also depends on the underwriter being legally permitted to provide private medical insurance where you live.

Treatment outside your area of cover. Emergency medical treatment outside your selected area of cover is available under Gold, Platinum and Diamond only, subject to the applicable benefit limits and policy conditions. It is not available on Silver or Bronze. Only treatment starting within 24 hours of the emergency is covered. You should contact us for authorisation as soon as reasonably practicable.

Level of cover

Five levels, from Diamond to Bronze

Select a level of cover, then expand a section to view the benefits and limits.

Diamond

€/£/$2,000,000 a yearFull table of benefits (PDF)

The general outpatient benefit is covered in full. Individual limits and waiting periods still apply to some benefits.

Inpatient and daypatient benefit
    • Hospital accommodation in a standard single en-suite room
    • Nursing fees, medical expenses and ancillary charges
    • Prescription drugs and dressings
    • Operating theatre charges, surgical drugs and dressings
    • Surgeon's, anaesthetist's and consultant's fees
    • Surgical appliances that form a permanent and integral part of the body, apart from neurostimulators and pacemakers as set out in the exclusions

    Covered in full

  • Organ transplant: heart, heart/valve, heart/lung, liver, pancreas, pancreas/kidney, kidney, bone marrow, parathyroid, muscular/skeletal and cornea transplants

    Up to 300,000

    • Oral surgical procedures, as defined in the policy
    • Emergency dental treatment to restore oral health after a serious eligible accident that needs a hospital admission
    • Diagnostic tests, including pathology and radiology
    • MRI, CT and PET scans
    • Physician and therapist fees, including physiotherapy during an inpatient stay

    Covered in full

  • Psychiatric treatment

    Twelve-month waiting period applies.

    Covered in full (up to 28 days)

  • Accommodation for one parent staying with an insured child under 16

    Covered in full

  • Inpatient cash benefit, where treatment is received and no charges are made

    100 per night (up to 50 nights)

Additional benefits
    • Complications during childbirth that need a recognised obstetric procedure (postpartum haemorrhage and retained placental membrane), and medically necessary caesarean sections. Only payable where the cover also includes routine maternity benefit
    • Complications in pregnancy arising during the antenatal stages (abnormal presentation, ectopic pregnancy, miscarriage, missed abortion, pre-eclampsia, gestational diabetes or hydatidiform mole)

    Twelve-month waiting period applies.

    One limit for these benefits: Up to 10,000

  • Hormone replacement therapy

    Up to 250

  • Home nursing immediately after, or instead of, an inpatient stay

    Up to 3,500

  • Local ambulance

    Covered in full

Outpatient benefit

On Platinum, Gold and Silver, the physiotherapy, complementary therapy, psychiatric and health check limits are part of the overall outpatient limit, not in addition to it.

    • Medical practitioners', specialists' and consultants' fees, prescribed medicines, drugs and dressings
    • Diagnostic tests, including pathology and radiology

    Covered in full

  • Physiotherapy by a registered physiotherapist, when referred by a medical practitioner, specialist or consultant. Initially up to six sessions per condition; further sessions need a progress report showing they are medically necessary

    Covered in full

  • Chiropractic, osteopathic, homeopathic, Chinese herbal medicine and acupuncture

    Covered in full

  • Psychiatric treatment

    Twelve-month waiting period applies.

    Up to 2,000

  • Routine health checks, including vaccinations

    Up to 300

  • MRI, CT and PET scans

    Covered in full

  • Outpatient surgery

    Covered in full

Cancer benefit

  • Oncology tests, drugs and consultants' fees, including chemotherapy and radiotherapy, when treatment is aimed at curing the cancer

    Covered in full

  • Inpatient, daypatient or outpatient treatment that maintains, monitors and relieves the symptoms of cancer diagnosed as a chronic medical condition

    Within the chronic conditions limit (section E)

  • Palliative treatment and end-stage medical care of cancer diagnosed as terminal

    Within the terminal illness limit (section F)

Chronic medical conditions benefit

  • Treatment of an acute episode of a chronic medical condition, where you have become medically unstable

    Within the inpatient and outpatient limits (sections A and C)

  • Inpatient, daypatient or outpatient treatment that maintains, monitors and relieves the symptoms of a chronic medical condition, including palliative treatment

    Up to 50,000 (lifetime limit)

Terminal illness benefit

  • Palliative treatment and end-stage medical care of a diagnosed terminal illness

    Up to 50,000 (lifetime limit)

Dental outpatient benefit
    • Routine dental treatment: one annual check-up, including one annual scale and polish
    • Diagnostic tests such as X-rays
    • Clinically necessary dental treatment to restore teeth and oral health, such as fillings, gum treatment, crowns, bridges, inlays and extractions
    • Emergency outpatient dental treatment for the immediate relief of dental pain, including temporary fillings (up to 3 fillings per policy period), and repair of damage caused in an accident, received within 24 hours. Dental prostheses and root canal treatment are not included
    • Dental surgery, including extraction of teeth and root canal surgery
    • Orthodontic treatment for an insured person under 18 (twelve-month waiting period)

    One limit for these benefits: 75% of costs, up to 3,000

Medical evacuation and repatriation benefit
    • Medical evacuation to the nearest appropriate medical centre when an insured person is placed on a critical list, adequate treatment is not available locally, or adequately screened blood is unavailable in an emergency
    • Hotel accommodation after a medical evacuation, if you are unable to travel after discharge (up to 7 days; 4 and 5-star hotels and accompanying persons not covered)
    • Economy class return airfare to your principal country of residence after treatment, within one month of treatment ending
    • Hotel accommodation for ongoing treatment at the medical centre you were evacuated to
    • Economy travel, accommodation and return airfare for a companion, when you are evacuated after being placed on a critical list (pre-authorised)

    Covered in full

  • Repatriation of mortal remains to the country of burial (pre-authorised)

    Covered in full

Compassionate emergency visit benefit

  • Economy class return airfare to visit a close family member, up to the age of 70, who is placed on a critical list or has died. One return journey per insured person per policy year

    Covered in full

Maternity benefit

Only available to female members aged 18 to 44. Cover is only available for treatment received 11 months after the policy start date.

    • Medically necessary costs of a routine, non-complicated pregnancy or childbirth, including hospital charges, specialist fees, pre-natal and post-natal care and midwife fees (one 2D ultrasound scan in each trimester)
    • Newborn care after a covered pregnancy: reasonable routine accommodation charges, and necessary examinations before discharge

    One limit for these benefits: Up to 7,500

  • Medically necessary caesarean sections

    Within the childbirth complications limit (section B)

  • Birth defects and congenital abnormalities

    Up to 20,000

  • Newborn accommodation when staying in hospital with the mother (up to 10 nights)

    Covered in full

Emergency medical cover outside your area of cover

  • Emergency medical treatment outside your area of cover

    Up to 50,000

Accidental death benefit

  • Death of an insured person as a result of an accident

    100,000

About these figures. Figures are from the Freedom Worldwide Non-EEA table of benefits, in the currency of the policy. Limits apply to each insured person in each policy year, unless stated otherwise. The benefits for chronic conditions and terminal illness have lifetime limits. Routine maternity is for female members aged 18 to 44, from 11 months after the policy starts. Medical evacuation means transport to the nearest appropriate medical centre when suitable treatment is not available locally. Repatriation means returning the remains of an insured person who dies to the country of burial. See the Freedom Worldwide Non-EEA table of benefits
Pre-authorisation. Inpatient treatment means you are admitted to hospital and stay overnight. Daypatient treatment means you are admitted for the day but do not stay overnight. Inpatient and daypatient treatment, and claims under the medical evacuation and repatriation benefit, require pre-authorisation. This means getting our agreement before treatment starts. Without it, we pay 50% of the costs incurred. Most outpatient treatment does not require pre-authorisation, although some treatments must be agreed with us in advance. Where pre-authorisation is not required, you would normally pay the provider and claim reimbursement of eligible costs. Claims must be sent to us within six months, or we may not accept them.
How chronic conditions, cancer and terminal illness are covered.
  • Chronic conditions. A chronic condition is one that needs long-term monitoring or control of symptoms, or continues indefinitely. An acute episode, where a condition becomes unstable, is covered under the usual benefits. Treatment that maintains or monitors a chronic condition, or relieves its symptoms, has its own lifetime limit. Bronze has no cover for this.
  • Cancer. Treatment aimed at a cure is covered in full at every level, including Bronze. After that, cover moves to the chronic conditions benefit, or to the terminal illness benefit where the cancer is terminal. Both benefits have lifetime limits and are not included on Bronze.
  • Terminal illness. Palliative care, which relieves symptoms rather than aiming to cure, and end-of-life care are covered up to a lifetime limit. Bronze has no cover for this.

Excess and payment

Your excess, policy currency and payment options

These details are for individual policies. For a group scheme, the premium, any excess and the payment arrangements are agreed when the scheme is arranged.

A voluntary excess

50 to 5,000

An optional amount you are responsible for before we make a payment. It applies to each insured person in each policy year, in the policy’s currency, and can reduce your premium.

The currency

Euros, pounds or US dollars

Your policy, premiums, benefits and limits are all in the same currency.

How you pay

Yearly, quarterly or monthly

Yearly and monthly payments can be made by credit or debit card, bank transfer, Direct Debit or SEPA Direct Debit. Direct Debit is for sterling policies paid from a UK bank account. SEPA Direct Debit is for euro policies paid from a bank account in the SEPA zone. Quarterly payments can be made by credit or debit card or bank transfer.

Renewal and premiums. Freedom Worldwide Non-EEA is an annual contract. Renewal is at our discretion and subject to our acceptance. Premiums are normally reviewed each year and may be affected by factors including age, claims experience and medical inflation.

Eligibility

Who can be covered

Individual policies

  • Adults aged 18 to 70 at the start of the policy.
  • Children from birth up to age 20 at the start of the policy. A child can stay on the policy until the renewal date after their 21st birthday. If they are in full-time education, this extends to the renewal date after their 24th birthday.
  • You can include an eligible partner, eligible children, or both.

Group schemes

  • Adults aged 18 to 70 at the start of the policy.
  • Children from birth up to age 20 at the start of the policy. A child can stay on the policy until the renewal date after their 21st birthday. If they are in full-time education, this extends to the renewal date after their 24th birthday.

Conditions that apply to everyone covered

  • Everyone covered must have a principal country of residence outside the EEA. This is the country where they live for more than six months of the year. They must tell us if it changes.
  • Available only where the underwriter is legally permitted to provide private medical insurance. Not available to citizens of the USA living in the USA, or to people subject to exchange controls. Not available where buying the policy is illegal under local law.
  • It is the policyholder’s responsibility to check that the cover is legally appropriate where they live, including any local compulsory health insurance rules.
  • A policy with worldwide cover will be cancelled if an insured US citizen spends more than 180 continuous days in the USA.
  • Some occupations are not eligible for Freedom Worldwide Non-EEA. All applications are subject to our current acceptance criteria.

Important to know

What is not covered

Pre-existing conditions are not covered as standard. How they are assessed depends on the underwriting method.

How this is decided

How pre-existing conditions are assessed

A pre-existing condition is one for which you experienced symptoms or received medication, advice or treatment in the two years before cover started. These are generally not covered unless we agree otherwise. Underwriting is how we decide which medical conditions a policy will and will not cover when it starts. The method that applies is shown on the certificate of insurance, along with any exclusion we have applied.

Full medical underwriting

When you apply, you answer health questions for each person to be covered under the policy. We review your answers and may ask your medical practitioner for more information before deciding what cover we can offer. Pre-existing conditions that may need treatment in the future, and any related conditions, are usually excluded. Any exclusion is shown on the certificate of insurance. It is essential that the information you give is complete and accurate, including symptoms that have not been diagnosed. Otherwise a claim may not be paid, or the policy may be cancelled.

Moratorium underwriting

You do not answer health questions when you apply. Any condition, or related condition, that you had symptoms of, or advice, treatment or medication for, in the two years before cover started is excluded. It may be considered for cover once you have completed a continuous two-year period after the policy starts. During that period you must have no symptoms, advice, treatment, medication or special diet for it.

Moving from another insurer

If you already have private medical insurance and want to transfer, we may be able to offer terms that take account of your existing cover. Your broker or adviser can tell you more.

Group schemes

Eligible group schemes may be offered medical history disregarded, where we do not apply personal medical exclusions for pre-existing conditions. Whether it applies is agreed when the scheme is arranged.

Summary of the key exclusions

This is not a full list of exclusions. Some exclusions have exceptions or depend on the level of cover. The full list is in chapter 8 of the policy document. If you are already covered, you can find it in the Freedom Health Insurance Claims Portal (opens in a new tab). If not, your broker or adviser can give you a copy.

  • Pre-existing conditions, as above
  • Preventative treatment or procedures
  • Treatment or diagnostic tests for injuries from taking part in professional sports
  • Treatment outside the area of cover shown on your certificate of insurance, apart from emergency treatment on Gold, Platinum and Diamond, as above
  • Treatment without a referral from a medical practitioner
  • Treatment or drug therapy that, in our reasonable opinion, is experimental or unproven, based on generally accepted medical practice where it is provided
Who provides the cover, and your protections. Freedom Worldwide Non-EEA is underwritten by Anahita Insurance Corporation, which is licensed by the Financial Services Commission in Barbados. It is not regulated in the United Kingdom. Freedom Health Insurance administers the policy, handles claims and is authorised and regulated by the Financial Conduct Authority. Different protections therefore apply to different parts of your cover. If you are unhappy with anything Freedom Health Insurance has done, including a decision on a claim, you can complain to us. If you are not satisfied with our answer, you can refer the complaint to the Financial Ombudsman Service. Where a complaint concerns the insurer rather than Freedom Health Insurance, it is dealt with under the rules of the Financial Services Commission in Barbados. The Financial Services Compensation Scheme covers Freedom Health Insurance and does not cover the insurer.

Good to know

Freedom Worldwide Non-EEA FAQs

Next step

Arranging Freedom Worldwide Non-EEA

Freedom Worldwide Non-EEA is arranged through a broker or adviser, for individual policies and group schemes. Provided they have a Terms of Business Agreement in place with Freedom Health Insurance, they can request a quotation from us on your behalf.

For brokers and advisers

Questions about Freedom Worldwide Non-EEA?

If you have a question about the policy, contact our team. Call +44 (0)1202 756 350 or email info@fhi.co.uk.

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