Freedom Worldwide UK
For people whose principal country of residence is the United Kingdom. It is available as an individual policy or through an employer’s group scheme for three or more employees. It covers eligible treatment in the UK and overseas, within your policy’s area of cover.
Already covered and need treatment? How to make a Freedom Worldwide UK claim
This page is a summary of the main benefits and the most significant limitations of Freedom Worldwide UK. 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).
Area of cover
Where treatment is covered
Europe
Eligible treatment in the European countries covered by the policy, including the United Kingdom. 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.
Your area of cover determines where eligible treatment is covered. Your principal country of residence must still be the United Kingdom.
The Private Healthcare Information Network
You can find independent information about the quality and the cost of private treatment available from doctors and hospitals from the Private Healthcare Information Network. This information covers private treatment in the United Kingdom.
Level of cover
Five levels, from Diamond to Bronze
Select a level of cover, then expand a section to view the benefits and limits.
The general outpatient benefit is covered in full. Individual limits and waiting periods still apply to some outpatient 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 and anaesthetist's fees
- Surgical appliances and prostheses that form a permanent and integral part of the body
Covered in full
Organ transplant: heart, heart/valve, heart/lung, liver, pancreas, pancreas/kidney, kidney, bone marrow, parathyroid, muscular/skeletal and corneal transplants
Up to £300,000
- Oral surgical procedures
- Emergency dental treatment to restore oral health after a serious eligible accidental dental injury that needs a hospital admission
- Diagnostic tests, including pathology and radiology
- MRI, CT and PET scans
- Specialist and therapist fees, including physiotherapy during an inpatient stay
Covered in full
Psychiatric treatment
Twelve-month waiting period applies.
Up to 30 nights
Parent accommodation (child aged up to 18)
Covered in full
Inpatient cash benefit, where treatment is received and no charges are made
£200 per night
External prosthesis related to an inpatient or daypatient surgical procedure
Up to £2,500
Kidney dialysis, when temporarily needed for sudden kidney failure from a disease, illness or injury covered by the policy
Up to £20,000 (lifetime limit)
Inpatient rehabilitation after a disease, illness or injury covered by the policy
Up to 13 weeks
Nursing at home immediately after, or instead of, an inpatient stay
Up to 26 weeks
Local ambulance
Covered in full
Outpatient treatment benefit
- Medical practitioners' and specialists' fees, and prescription drugs and medicines
- Diagnostic tests, including pathology and radiology
- Treatment to maintain and relieve the symptoms of a chronic medical condition diagnosed after the policy started
Covered in full
Physiotherapy by a registered physiotherapist, when referred by a medical practitioner or specialist
Up to £2,000
Complementary treatment (chiropractic, osteopathic, homoeopathic, Chinese herbal medicine and acupuncture)
Up to £2,000
MRI, CT and PET scans
Covered in full
Outpatient surgery
Covered in full
Emergency dental treatment to restore oral health after a serious eligible accidental dental injury
Covered in full
Psychiatric treatment
Twelve-month waiting period applies.
Covered in full (up to 30 visits)
Hormone replacement therapy
Up to £350
Routine health checks, including cancer screening
Twelve-month waiting period applies.
Up to £1,000
Vaccinations (not travel vaccinations)
Twelve-month waiting period applies.
Up to £300
Medical aids and devices, including hire of mobility aids (such as crutches, casts, splints, canes, slings, trusses, braces, orthotics and temporary wheelchair rental) when prescribed by a specialist
Twelve-month waiting period applies.
Up to £2,000
Hearing test
Twelve-month waiting period applies.
One per year
Hearing aids
Twelve-month waiting period applies.
Up to £300
Cancer benefit
Oncology tests, prescription drugs and medicines, and specialists' 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
Covered in full
Palliative treatment and end-stage medical care of cancer diagnosed as terminal
Covered in full
Terminal illness benefit
End-of-life medical care within a hospice
Up to 14 nights
HIV and AIDS, where contracted as a result of a blood transfusion
Up to £7,500 (lifetime limit £37,500)
Dental and optical outpatient benefit
If you wore glasses or contact lenses before your policy started, replacement glasses, contact lenses and laser eye surgery are not covered.
Minor dental treatment: one annual check-up, diagnostic tests, and one annual scale and polish
Six-month waiting period applies.
Up to £1,500 (10% co-payment)
- Major dental treatment and dental prostheses, including gum treatment, crowns, bridges, inlays and extractions (six-month waiting period)
- 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 from an accidental dental injury, received within 24 hours of the injury. Dental prostheses and root canal treatment are not included
- Dental surgery, including extraction of teeth and root canal surgery (six-month waiting period)
- Orthodontic treatment for an insured person under 19 (twelve-month waiting period)
One limit for these benefits: Up to £1,500 (10% co-payment)
Optical eye test
Twelve-month waiting period applies.
One visit per year
Vision aids (glasses and contact lenses)
Twelve-month waiting period applies.
Up to £300
Laser eye surgery
Twelve-month waiting period applies.
Covered in full
Medical evacuation and repatriation benefit
Emergency evacuation to the nearest available and most appropriate medical centre, if adequate treatment is not available locally
Covered in full
Accommodation after discharge following an evacuation, if medically unable to return home (4 and 5-star excluded)
Up to 7 nights
- Economy class return airfare to your country of residence after treatment
- Hotel accommodation for ongoing treatment
- Economy travelling expenses for a companion
- Repatriation of mortal remains, or a local funeral, when death is outside the home country
Covered in full
Compassionate emergency visit benefit
Economy class return air ticket to the home country on the death of a close family member under 70
Covered in full
Maternity benefit
Cover is only available for treatment received 10 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
- Newborn care after a covered pregnancy: reasonable routine accommodation charges, and medically necessary examinations before discharge
One limit for these benefits: Up to £10,000
Complications of pregnancy and childbirth arising during the antenatal stages (abnormal presentation, ectopic pregnancy, miscarriage, missed abortion, pre-eclampsia, gestational diabetes and hydatidiform mole), and medically necessary caesarean sections
Covered in full
Birth defects and congenital abnormalities
Up to £20,000
Newborn accommodation when staying in hospital with the mother
Covered in full (up to 10 nights)
Emergency medical cover outside your area of cover
Emergency medical treatment outside your area of cover
Up to £50,000
Outpatient treatment up to £10,000, dental up to £1,000, routine maternity up to £7,500, and emergency cover outside the area of cover.
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 and anaesthetist's fees
- Surgical appliances and prostheses that form a permanent and integral part of the body
Covered in full
Organ transplant: heart, heart/valve, heart/lung, liver, pancreas, pancreas/kidney, kidney, bone marrow, parathyroid, muscular/skeletal and corneal transplants
Up to £250,000
- Oral surgical procedures
- Emergency dental treatment to restore oral health after a serious eligible accidental dental injury that needs a hospital admission
- Diagnostic tests, including pathology and radiology
- MRI, CT and PET scans
- Specialist and therapist fees, including physiotherapy during an inpatient stay
Covered in full
Psychiatric treatment
Twelve-month waiting period applies.
Up to 30 nights
Parent accommodation (child aged up to 18)
Covered in full
Inpatient cash benefit, where treatment is received and no charges are made
£200 per night
External prosthesis related to an inpatient or daypatient surgical procedure
Up to £2,500
Kidney dialysis, when temporarily needed for sudden kidney failure from a disease, illness or injury covered by the policy
Up to £20,000 (lifetime limit)
Inpatient rehabilitation after a disease, illness or injury covered by the policy
Up to 13 weeks
Nursing at home immediately after, or instead of, an inpatient stay
Up to 26 weeks
Local ambulance
Covered in full
Outpatient treatment benefit
- Medical practitioners' and specialists' fees, and prescription drugs and medicines
- Diagnostic tests, including pathology and radiology
- Treatment to maintain and relieve the symptoms of a chronic medical condition diagnosed after the policy started
One limit for these benefits: Up to £10,000
Physiotherapy by a registered physiotherapist, when referred by a medical practitioner or specialist
Up to £1,500
Complementary treatment (chiropractic, osteopathic, homoeopathic, Chinese herbal medicine and acupuncture)
Up to £1,500
MRI, CT and PET scans
Covered in full
Outpatient surgery
Covered in full
Emergency dental treatment to restore oral health after a serious eligible accidental dental injury
Covered in full
Psychiatric treatment
Twelve-month waiting period applies.
Covered in full (up to 15 visits)
Hormone replacement therapy
Up to £250
Routine health checks, including cancer screening
Twelve-month waiting period applies.
Up to £500
Vaccinations (not travel vaccinations)
Twelve-month waiting period applies.
Up to £200
Medical aids and devices, including hire of mobility aids (such as crutches, casts, splints, canes, slings, trusses, braces, orthotics and temporary wheelchair rental) when prescribed by a specialist
Twelve-month waiting period applies.
Up to £1,500
Hearing test
Twelve-month waiting period applies.
One per year
Hearing aids
Twelve-month waiting period applies.
Up to £150
Cancer benefit
Oncology tests, prescription drugs and medicines, and specialists' 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
Covered in full
Palliative treatment and end-stage medical care of cancer diagnosed as terminal
Covered in full
Terminal illness benefit
End-of-life medical care within a hospice
Up to 14 nights
HIV and AIDS, where contracted as a result of a blood transfusion
Up to £5,000 (lifetime limit £37,500)
Dental and optical outpatient benefit
If you wore glasses or contact lenses before your policy started, replacement glasses, contact lenses and laser eye surgery are not covered.
Minor dental treatment: one annual check-up, diagnostic tests, and one annual scale and polish
Six-month waiting period applies.
Up to £1,000 (10% co-payment)
- Major dental treatment and dental prostheses, including gum treatment, crowns, bridges, inlays and extractions (six-month waiting period)
- 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 from an accidental dental injury, received within 24 hours of the injury. Dental prostheses and root canal treatment are not included
- Dental surgery, including extraction of teeth and root canal surgery (six-month waiting period)
- Orthodontic treatment for an insured person under 19 (twelve-month waiting period)
One limit for these benefits: Up to £1,000 (10% co-payment)
Optical eye test
Twelve-month waiting period applies.
One visit per year
Vision aids (glasses and contact lenses)
Twelve-month waiting period applies.
Up to £100
Laser eye surgery
Twelve-month waiting period applies.
Covered in full
Medical evacuation and repatriation benefit
Emergency evacuation to the nearest available and most appropriate medical centre, if adequate treatment is not available locally
Covered in full
Accommodation after discharge following an evacuation, if medically unable to return home (4 and 5-star excluded)
Up to 7 nights
- Economy class return airfare to your country of residence after treatment
- Hotel accommodation for ongoing treatment
- Economy travelling expenses for a companion
- Repatriation of mortal remains, or a local funeral, when death is outside the home country
Covered in full
Compassionate emergency visit benefit
Economy class return air ticket to the home country on the death of a close family member under 70
Covered in full
Maternity benefit
Cover is only available for treatment received 10 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
- Newborn care after a covered pregnancy: reasonable routine accommodation charges, and medically necessary examinations before discharge
One limit for these benefits: Up to £7,500
Complications of pregnancy and childbirth arising during the antenatal stages (abnormal presentation, ectopic pregnancy, miscarriage, missed abortion, pre-eclampsia, gestational diabetes and hydatidiform mole), and medically necessary caesarean sections
Up to £15,000
Birth defects and congenital abnormalities
Up to £20,000
Newborn accommodation when staying in hospital with the mother
Covered in full (up to 10 nights)
Emergency medical cover outside your area of cover
Emergency medical treatment outside your area of cover
Up to £40,000 (up to 60 days)
Adds dental and routine maternity benefits and emergency cover outside the area of cover, with outpatient treatment up to £5,000.
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 and anaesthetist's fees
- Surgical appliances and prostheses that form a permanent and integral part of the body
Covered in full
Organ transplant: heart, heart/valve, heart/lung, liver, pancreas, pancreas/kidney, kidney, bone marrow, parathyroid, muscular/skeletal and corneal transplants
Up to £200,000
- Oral surgical procedures
- Emergency dental treatment to restore oral health after a serious eligible accidental dental injury that needs a hospital admission
- Diagnostic tests, including pathology and radiology
- MRI, CT and PET scans
- Specialist and therapist fees, including physiotherapy during an inpatient stay
Covered in full
Psychiatric treatment
Twelve-month waiting period applies.
Up to 15 nights
Parent accommodation (child aged up to 18)
Covered in full
Inpatient cash benefit, where treatment is received and no charges are made
£100 per night
External prosthesis related to an inpatient or daypatient surgical procedure
Up to £2,500
Kidney dialysis, when temporarily needed for sudden kidney failure from a disease, illness or injury covered by the policy
Up to £20,000 (lifetime limit)
Inpatient rehabilitation after a disease, illness or injury covered by the policy
Up to 13 weeks
Nursing at home immediately after, or instead of, an inpatient stay
Up to 12 weeks
Local ambulance
Covered in full
Outpatient treatment benefit
- Medical practitioners' and specialists' fees, and prescription drugs and medicines
- Diagnostic tests, including pathology and radiology
- Treatment to maintain and relieve the symptoms of a chronic medical condition diagnosed after the policy started
One limit for these benefits: Up to £5,000
Physiotherapy by a registered physiotherapist, when referred by a medical practitioner or specialist
Up to £1,000
Complementary treatment (chiropractic, osteopathic, homoeopathic, Chinese herbal medicine and acupuncture)
Up to £1,000
MRI, CT and PET scans
Covered in full
Outpatient surgery
Covered in full
Emergency dental treatment to restore oral health after a serious eligible accidental dental injury
Covered in full
Psychiatric treatment
Twelve-month waiting period applies.
Covered in full (up to 10 visits)
Hormone replacement therapy
Up to £250
Routine health checks, including cancer screening
Twelve-month waiting period applies.
Up to £200
Vaccinations (not travel vaccinations)
Twelve-month waiting period applies.
Up to £200
Medical aids and devices, including hire of mobility aids (such as crutches, casts, splints, canes, slings, trusses, braces, orthotics and temporary wheelchair rental) when prescribed by a specialist
Twelve-month waiting period applies.
Up to £1,000
Hearing test
Twelve-month waiting period applies.
Not covered at this level
Hearing aids
Twelve-month waiting period applies.
Not covered at this level
Cancer benefit
Oncology tests, prescription drugs and medicines, and specialists' 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
Covered in full
Palliative treatment and end-stage medical care of cancer diagnosed as terminal
Covered in full
Terminal illness benefit
End-of-life medical care within a hospice
Up to 14 nights
HIV and AIDS, where contracted as a result of a blood transfusion
Up to £2,500 (lifetime limit £37,500)
Dental and optical outpatient benefit
If you wore glasses or contact lenses before your policy started, replacement glasses, contact lenses and laser eye surgery are not covered.
Minor dental treatment: one annual check-up, diagnostic tests, and one annual scale and polish
Six-month waiting period applies.
Up to £750 (10% co-payment)
- Major dental treatment and dental prostheses, including gum treatment, crowns, bridges, inlays and extractions (six-month waiting period)
- 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 from an accidental dental injury, received within 24 hours of the injury. Dental prostheses and root canal treatment are not included
- Dental surgery, including extraction of teeth and root canal surgery (six-month waiting period)
- Orthodontic treatment for an insured person under 19 (twelve-month waiting period)
One limit for these benefits: Up to £750 (10% co-payment)
Optical eye test
Twelve-month waiting period applies.
One visit per year
Vision aids (glasses and contact lenses)
Twelve-month waiting period applies.
Not covered at this level
Laser eye surgery
Twelve-month waiting period applies.
Covered in full
Medical evacuation and repatriation benefit
Emergency evacuation to the nearest available and most appropriate medical centre, if adequate treatment is not available locally
Covered in full
Accommodation after discharge following an evacuation, if medically unable to return home (4 and 5-star excluded)
Up to 7 nights
- Economy class return airfare to your country of residence after treatment
- Hotel accommodation for ongoing treatment
- Economy travelling expenses for a companion
- Repatriation of mortal remains, or a local funeral, when death is outside the home country
Covered in full
Compassionate emergency visit benefit
Economy class return air ticket to the home country on the death of a close family member under 70
Covered in full
Maternity benefit
Cover is only available for treatment received 10 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
- Newborn care after a covered pregnancy: reasonable routine accommodation charges, and medically necessary examinations before discharge
One limit for these benefits: Up to £2,500
Complications of pregnancy and childbirth arising during the antenatal stages (abnormal presentation, ectopic pregnancy, miscarriage, missed abortion, pre-eclampsia, gestational diabetes and hydatidiform mole), and medically necessary caesarean sections
Up to £10,000
Birth defects and congenital abnormalities
Up to £10,000
Newborn accommodation when staying in hospital with the mother
Covered in full (up to 10 nights)
Emergency medical cover outside your area of cover
Emergency medical treatment outside your area of cover
Up to £30,000 (up to 30 days)
Inpatient and daypatient cover, with an annual limit for outpatient treatment.
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 and anaesthetist's fees
- Surgical appliances and prostheses that form a permanent and integral part of the body
Covered in full
Organ transplant: heart, heart/valve, heart/lung, liver, pancreas, pancreas/kidney, kidney, bone marrow, parathyroid, muscular/skeletal and corneal transplants
Up to £100,000
- Oral surgical procedures
- Emergency dental treatment to restore oral health after a serious eligible accidental dental injury that needs a hospital admission
- Diagnostic tests, including pathology and radiology
- MRI, CT and PET scans
- Specialist and therapist fees, including physiotherapy during an inpatient stay
Covered in full
Psychiatric treatment
Twelve-month waiting period applies.
Up to 15 nights
Parent accommodation (child aged up to 18)
Covered in full
Inpatient cash benefit, where treatment is received and no charges are made
£100 per night
External prosthesis related to an inpatient or daypatient surgical procedure
Up to £2,500
Kidney dialysis, when temporarily needed for sudden kidney failure from a disease, illness or injury covered by the policy
Up to £20,000 (lifetime limit)
Inpatient rehabilitation after a disease, illness or injury covered by the policy
Up to 13 weeks
Nursing at home immediately after, or instead of, an inpatient stay
Up to 3 weeks
Local ambulance
Covered in full
Outpatient treatment benefit
- Medical practitioners' and specialists' fees, and prescription drugs and medicines
- Diagnostic tests, including pathology and radiology
- Treatment to maintain and relieve the symptoms of a chronic medical condition diagnosed after the policy started
One limit for these benefits: Up to £2,500
Physiotherapy by a registered physiotherapist, when referred by a medical practitioner or specialist
Up to £500
Complementary treatment (chiropractic, osteopathic, homoeopathic, Chinese herbal medicine and acupuncture)
Up to £500
MRI, CT and PET scans
Covered in full
Outpatient surgery
Covered in full
Emergency dental treatment to restore oral health after a serious eligible accidental dental injury
Covered in full
Psychiatric treatment
Twelve-month waiting period applies.
Covered in full (up to 5 visits)
Hormone replacement therapy
Up to £250
Routine health checks, including cancer screening
Twelve-month waiting period applies.
Up to £100
Vaccinations (not travel vaccinations)
Twelve-month waiting period applies.
Up to £100
Medical aids and devices, including hire of mobility aids (such as crutches, casts, splints, canes, slings, trusses, braces, orthotics and temporary wheelchair rental) when prescribed by a specialist
Twelve-month waiting period applies.
Up to £500
Hearing test
Twelve-month waiting period applies.
Not covered at this level
Hearing aids
Twelve-month waiting period applies.
Not covered at this level
Cancer benefit
Oncology tests, prescription drugs and medicines, and specialists' 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
Covered in full
Palliative treatment and end-stage medical care of cancer diagnosed as terminal
Covered in full
Terminal illness benefit
End-of-life medical care within a hospice
Up to 14 nights
HIV and AIDS, where contracted as a result of a blood transfusion
Not covered at this level
Dental and optical outpatient benefit
If you wore glasses or contact lenses before your policy started, replacement glasses, contact lenses and laser eye surgery are not covered.
Minor dental treatment: one annual check-up, diagnostic tests, and one annual scale and polish
Six-month waiting period applies.
Not covered at this level
- Major dental treatment and dental prostheses, including gum treatment, crowns, bridges, inlays and extractions (six-month waiting period)
- 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 from an accidental dental injury, received within 24 hours of the injury. Dental prostheses and root canal treatment are not included
- Dental surgery, including extraction of teeth and root canal surgery (six-month waiting period)
- Orthodontic treatment for an insured person under 19 (twelve-month waiting period)
Not covered at this level
Optical eye test
Twelve-month waiting period applies.
One visit per year
Vision aids (glasses and contact lenses)
Twelve-month waiting period applies.
Not covered at this level
Laser eye surgery
Twelve-month waiting period applies.
Not covered at this level
Medical evacuation and repatriation benefit
Emergency evacuation to the nearest available and most appropriate medical centre, if adequate treatment is not available locally
Covered in full
Accommodation after discharge following an evacuation, if medically unable to return home (4 and 5-star excluded)
Up to 7 nights
- Economy class return airfare to your country of residence after treatment
- Hotel accommodation for ongoing treatment
- Economy travelling expenses for a companion
- Repatriation of mortal remains, or a local funeral, when death is outside the home country
Covered in full
Compassionate emergency visit benefit
Economy class return air ticket to the home country on the death of a close family member under 70
Covered in full
Maternity benefit
Cover is only available for treatment received 10 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
- Newborn care after a covered pregnancy: reasonable routine accommodation charges, and medically necessary examinations before discharge
Not covered at this level
Complications of pregnancy and childbirth arising during the antenatal stages (abnormal presentation, ectopic pregnancy, miscarriage, missed abortion, pre-eclampsia, gestational diabetes and hydatidiform mole), and medically necessary caesarean sections
Up to £2,500
Birth defects and congenital abnormalities
Not covered at this level
Newborn accommodation when staying in hospital with the mother
Covered in full (up to 10 nights)
Inpatient and daypatient treatment, with limited cover for general outpatient treatment following a hospital stay. Certain outpatient benefits, including MRI, CT and PET scans and outpatient surgery, are covered separately and in full.
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 and anaesthetist's fees
- Surgical appliances and prostheses that form a permanent and integral part of the body
Covered in full
Organ transplant: heart, heart/valve, heart/lung, liver, pancreas, pancreas/kidney, kidney, bone marrow, parathyroid, muscular/skeletal and corneal transplants
Not covered at this level
- Oral surgical procedures
- Emergency dental treatment to restore oral health after a serious eligible accidental dental injury that needs a hospital admission
- Diagnostic tests, including pathology and radiology
- MRI, CT and PET scans
- Specialist and therapist fees, including physiotherapy during an inpatient stay
Covered in full
Psychiatric treatment
Twelve-month waiting period applies.
Not covered at this level
Parent accommodation (child aged up to 18)
Covered in full
Inpatient cash benefit, where treatment is received and no charges are made
£50 per night
External prosthesis related to an inpatient or daypatient surgical procedure
Not covered at this level
Kidney dialysis, when temporarily needed for sudden kidney failure from a disease, illness or injury covered by the policy
Not covered at this level
Inpatient rehabilitation after a disease, illness or injury covered by the policy
Up to 13 weeks
Nursing at home immediately after, or instead of, an inpatient stay
Not covered at this level
Local ambulance
Covered in full
Outpatient treatment benefit
- Medical practitioners' and specialists' fees, and prescription drugs and medicines
- Diagnostic tests, including pathology and radiology
- Treatment to maintain and relieve the symptoms of a chronic medical condition diagnosed after the policy started
One limit for these benefits: Up to £1,000 for treatment after an inpatient stay (up to 90 days after discharge)
Physiotherapy by a registered physiotherapist, when referred by a medical practitioner or specialist
Not covered at this level
Complementary treatment (chiropractic, osteopathic, homoeopathic, Chinese herbal medicine and acupuncture)
Not covered at this level
MRI, CT and PET scans
Covered in full
Outpatient surgery
Covered in full
Emergency dental treatment to restore oral health after a serious eligible accidental dental injury
Covered in full
Psychiatric treatment
Twelve-month waiting period applies.
Not covered at this level
Hormone replacement therapy
Not covered at this level
Routine health checks, including cancer screening
Twelve-month waiting period applies.
Up to £50
Vaccinations (not travel vaccinations)
Twelve-month waiting period applies.
Not covered at this level
Medical aids and devices, including hire of mobility aids (such as crutches, casts, splints, canes, slings, trusses, braces, orthotics and temporary wheelchair rental) when prescribed by a specialist
Twelve-month waiting period applies.
Not covered at this level
Hearing test
Twelve-month waiting period applies.
Not covered at this level
Hearing aids
Twelve-month waiting period applies.
Not covered at this level
Cancer benefit
Oncology tests, prescription drugs and medicines, and specialists' 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
Covered in full
Palliative treatment and end-stage medical care of cancer diagnosed as terminal
Covered in full
Medical evacuation and repatriation benefit
Emergency evacuation to the nearest available and most appropriate medical centre, if adequate treatment is not available locally
Covered in full
Accommodation after discharge following an evacuation, if medically unable to return home (4 and 5-star excluded)
Up to 7 nights
- Economy class return airfare to your country of residence after treatment
- Hotel accommodation for ongoing treatment
- Economy travelling expenses for a companion
- Repatriation of mortal remains, or a local funeral, when death is outside the home country
Covered in full
Compassionate emergency visit benefit
Economy class return air ticket to the home country on the death of a close family member under 70
Covered in full
Maternity benefit
Cover is only available for treatment received 10 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
- Newborn care after a covered pregnancy: reasonable routine accommodation charges, and medically necessary examinations before discharge
Not covered at this level
Complications of pregnancy and childbirth arising during the antenatal stages (abnormal presentation, ectopic pregnancy, miscarriage, missed abortion, pre-eclampsia, gestational diabetes and hydatidiform mole), and medically necessary caesarean sections
Not covered at this level
Birth defects and congenital abnormalities
Not covered at this level
Newborn accommodation when staying in hospital with the mother
Covered in full (up to 10 nights)
Freedom 360
Our health and wellbeing toolkit. Freedom 360 services are designed to support healthcare in the UK and are not available for treatment overseas. On Bronze, Freedom Dermatology, Freedom Physiotherapy and Freedom Diagnostics are only available within 90 days of discharge after an inpatient stay, within the £1,000 outpatient limit. These services may be subject to the policy excess, benefit limits and other policy terms.
See what Freedom 360 includes- Freedom Digital GP
- Freedom DermatologyLimited on Bronze
- Freedom Cancer Care
- Freedom PhysiotherapyLimited on Bronze
- Freedom DiagnosticsLimited on Bronze
- Freedom WellnessGroup schemes only
Freedom Wellness is available to group schemes only. Freedom Digital GP and Freedom Cancer Care are available on every level.
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 period of insurance and can reduce your premium.
The currency
Pounds sterling
Premiums and benefits are paid in pounds sterling.
How you pay
Yearly, quarterly or monthly
Yearly and monthly payments can be made by credit or debit card, bank transfer or Direct Debit. Quarterly payments can be made by credit or debit card or bank transfer.
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 the United Kingdom as their principal country of residence. This is the country where they live for more than six months of the year. They must tell us if it changes, as it can affect eligibility.
- Not available to people subject to exchange controls, or where buying the policy is illegal under local law.
- Some occupations are not eligible for Freedom Worldwide UK. 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
Good to know
Freedom Worldwide UK FAQs
No. What matters is your principal country of residence, which must be the United Kingdom.
Yes, as a group scheme for three or more employees whose principal country of residence is the United Kingdom. Group schemes are arranged through a broker or adviser.
No. It is an annual contract, taken out for 12 months. There is no minimum time you need to spend abroad.
Yes. You must tell us as soon as possible if your country of residence or your address changes. Your principal country of residence must be the United Kingdom, so a move can affect your eligibility, your policy terms or your premium.
For individual policies, the cost depends on the area of cover, level of cover, who is covered, any voluntary excess and the underwriting terms. Premiums are normally reviewed each year and may be affected by factors including age, claims experience and medical inflation.
For a group scheme, the premium is agreed when the scheme is arranged.
Contact us before any inpatient or daypatient treatment, or medical evacuation, so that it can be pre-authorised. 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.
How to make a claim sets out what happens next.
Next step
Arranging Freedom Worldwide UK
Freedom Worldwide UK 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.
Questions about Freedom Worldwide UK?
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.