Private Business Intermediaries

Worldwide: The Facts


Freedom Worldwide is the international health insurance policy for people living and working abroad. We know how important it is to have your healthcare needs covered. This is why Freedom offers an extensive range of health benefits and quick and friendly support from getting the initial quote, to making a claim.

Below is a representation of the key benefits of Worldwide policy. To see a comprehensive guide please read the Freedom Worldwide Key Facts document

Cancer Cover

Cancer affects more and more people every day. At Freedom Health Insurance, we understand that cancer cover is as important - whether you are at home or abroad. That is why all Freedom policies have cancer cover included as a standard benefit. To find out more information about this click here


To find out about different levels of cover click here.

In-Patient & Day-Patient Benefit

If you need to stay in a hospital or require day-patient treatment; Worldwide can provide the cover you need.
  • Hospital accommodation
  • Nursing fees, medical expenses and ancillary charge
  • Surgeons’, consultants’, anaesthetists’ and medical practitioners’ fees
  • MRI, PET and CT scans
  • X-rays, pathology, diagnostic tests
  • Prescription drugs and medicines
  • Surgical appliances and prostheses
  • Cost of one parent staying with a child (under 16 years of age)
  • Out-patient surgery
  • Physician and therapist fees including physiotherapist (referral by a medical practitioner, consultant)
  • Psychiatric treatment
  • Organ transplant
Note: Level of coverage will vary depending on the type of policy chosen. To find out about different levels of cover click here.

Out-Patient Cover (Optional)

Freedom Worldwide covers a variety of out-patient treatments. These include:
  • Specialist and consultant fees
  • Diagnostic tests
  • Physiotherapy (up to 6 visits when referred by a general practitioner.)
  • Alternative treatments including chiropractic, osteopathic and acupuncture)
  • Psychiatric treatment
  • Routine health checks
Note: Level of coverage will vary depending on the type of policy chosen. To find out about different levels of cover click here.

Repatriation Benefit

Getting home when you need to can really give you peace of mind, in case an emergency does happen. Freedom Worldwide can give you cover for medical repatriation, compassionate emergency visits as well as repatriation of mortal remains.

Note: Level of coverage will vary depending on the type of policy chosen. To find out about different levels of cover click here.

Additional Benefits (Optional)

These include premium health extras including:
  • Private ambulance
  • Nursing at home
  • Complications in pregnancy or childbirth
  • In patient cash benefit
  • Hormone Replacement Therapy
  • Cover for chronic medical conditions
  • Terminal illness care
  • Emergency in/day patient treatment for accidental damage to teeth
Note: Level of coverage will vary depending on the type of policy chosen. To find out about different levels of cover click here.

Dental Cover (Optional)

With the Freedom Worldwide you can get cove for routine and emergency dental treatments. 


Note: Level of coverage will vary depending on the type of policy chosen. To find out about different levels of cover click here.

Maternity Benefits (optional)

Having a baby can be stressful, especially if you are away from home. Get all your medical needs covered with Worldwide Maternity benefit which includes cover for routine maternity care as well as medical treatments for birth defects and congenital abnormalities.

Note: Level of coverage will vary depending on the type of policy chosen. To find out about different levels of cover click here.

Accidental Death Benefit (optional)

Benefit to cover death as a result of an accident.

Note: Level of coverage will vary depending on the type of policy chosen. To find out about different levels of cover click here.

Out of area Emergency Medical Coverage (optional)

Cover for medical treatment - if required outside of your coverage area.

Note: Level of coverage will vary depending on the type of policy chosen. To find out about different levels of cover click here.

Levels of Cover

There are five levels of cover for our Freedom Worldwide health insurance policy: bronze, silver, gold, platinum and gold. 

Levels of cover overview

Freedom Worldwide: Bronze

The Bronze level of cover for Freedom Worldwide is an entry plan offering comprehensive In-patient cover with a 500,000 annual plan benefit (payable in GBP, EUR or USD as the premium). This includes a number of health benefits such as:

  • Full in-patient and day-patient cover for most major benefits including MRI, PET and CT scans
  • Full refund of all costs involved with medical repatriation including the travel costs and accommodation of a companion
  • Cancer cover – full refund for chemotherapy and radiotherapy treatments

For more information about the health benefits of the Worldwide Bronze cover see the Freedom Worldwide brochure.

Freedom Worldwide: Silver

The Worldwide Silver cover includes all the benefits and features of the Bronze cover while adding some extra features such as:

  • Cover of diagnostic tests for out-patients (within a 1,500 GBP, EUR or USD annual limit) including electrocardiograms and echocardiograms
  • In-patient and day-patient diagnosis and treatment including psychiatric treatment and organ transplant
  • Chronic medical conditions including palliative treatment and maintenance 

For a detailed list of Worldwide Silver benefits see the Freedom Worldwide brochure.

Freedom Worldwide: Gold

The Gold level of cover for the international health insurance policy is an upgrade of the Silver health cover with a maximum 750,000 annual plan benefit (GBP, EUR or USD) and additional benefits:

  • Maternity cover including complications in pregnancy and or childbirth
  • Extended out-patient benefit
  • Dental benefit for non-accidental treatment including emergency out-patient dental treatment

See the Freedom Worldwide Brochure for a detailed list of the health benefits covered by the Worldwide Gold cover.

Freedom Worldwide: Platinum

The Platinum health cover is created as an enhanced version of the Worldwide Gold cover, increasing the annual plan benefit to 1,000,000 (GBP, EUR or USD) and adding some extra health benefits:

  • Emergency medical cover outside your chosen area of cover for up to 60 days
  • Out-patient benefit up to 5,000 (GBP, EUR or USD) per policy year
  • Increased dental and maternity benefit

For a detailed list of benefits see the Freedom Worldwide Brochure.

Freedom Worldwide: Diamond

The most comprehensive international health cover from Freedom, the Diamond cover offers includes all the benefits of the Platinum cover plus:

  • 2,000,000 (GBP, EUR or USD) in-patient and day-patient cover per policy year
  • Out-patient benefits with no maximum cover limit
  • Extended chronic medical conditions cover, dental benefit and maternity cover

For a detailed list of health benefits see the Freedom Worldwide Brochure.

General conditions & exclusions

The following is not covered by Worldwide health insurance:
  • Treatment outside the geographical area of cover unless for emergencies.
  • Treatment not pre-authorised in advance.
  • Care and/or treatment of drug addiction or alcoholism.
  • Cosmetic Surgery
  • Excess (Optional)
  • Professional sports injuries
  • Self inflicted injuries
  • Sexual dysfunction
  • Weight loss surgery
  • Chronic conditions
  • Pre-existing medical conditions

For a full list of exclusions, please refer to our Key Facts document.