Private Business Intermediaries

Frequently Asked Questions (FAQ's)

If I’m abroad and want to get treatment there can I use my policy to cover me?

Your Choice health insurance will cover you to receive treatment anywhere – but only if you are diagnosed in the UK first.  See our Worldwide Policy or Travel Policy for international cover.

What does the (optional) Out-Patient cover include?

The following are covered:

  • X-rays, pathology, diagnostic tests and procedures*
  • MRI, CT scans, radiotherapy & chemotherapy*
  • Physiotherapy*
*subject to the level of coverage chosen.
For full details please refer to Freedom Your Choice Brochure.

What does the (optional) Alternative Therapies cover include?

GP or specialist referral to a registered physiotherapist, osteopath, chiropractor, acupuncturist, homeopath, chiropodist/ podiatrist.

For full details please refer to your Freedom Your Choice Brochure.

What does the (optional) Psychiatric Care cover include?

The following are covered:

  • In-patient treatment in published hospital schedule*
  • Out-patient treatment*
* subject to the level of coverage chosen.
For full details please refer to the Freedom Your Choice Brochure.

What does the (optional) Rehabilitation cover include?

The following are covered:

  • Home nursing
  • Recuperative care
  • Specialist second opinions

For full details please refer to Freedom Your Choice Brochure.

What are the limitations to my policy coverage?

The following is not covered by Your Choice health insurance:

  • Accident and Emergency
  • Treatment for chronic conditions (except cancer)
  • Pre-existing medical conditions
  • HIV/ AIDS
  • Cosmetic surgery
  • Drug, solvent and alcohol abuse
  • GP consultations
  • Pregnancy and Infertility
  • Dental treatment

Also there will be an annual and procedure limit depending on the level of cover you chose.

Fur full details please see the Your Choice Policy document.

What kind of cancer cover do I get on Your Choice

Even at the most basic level, Your Choice provides cancer coverage. Find out more about the Freedom cancer cover promise by reading our Cancer: We Care guide.

For full details please refer to Freedom Your Choice Brochure.

Is there a time restriction before I can make a claim?

For most things there is no time restriction before you can submit a claim. The only exceptions are pregnancy complications. Please refer to the Your Choice policy document for more information. 

How do I choose what hospital to choose for private treatment?

You are free to use the money at whatever hospital you choose. If you would like more or support on where to get treated please contact us.

What if I don’t want to use the money claimed for the treatment?

These plans are designed to give benefits for medical treatment either privately in the UK, abroad or using the NHS. Any savings arising from private treatment or free treatment on the NHS can be kept by you.

However, if you do not have the authorised in-patient treatment within six months, any additional treatment required directly or indirectly as a result of not receiving the authorised treatment will not be covered under your policy.

Can Freedom insurance pay the hospital directly?

Yes, we can pay the fees directly to the hospital under your direction. Any surplus funds will be transferred to you. However, if the coverage is not adequate, you will be responsible for paying the difference directly to the hospital. 

What is the method of underwriting?

Freedom Health Your Choice is underwritten on either a Moratorium or FMU basis.

Moratorium

In this case there is no need to complete a medical questionnaire. The policy has automatic exclusions for conditions which will not be covered under the policy. These are generally pre-existing conditions; so any condition where you have asked for advice, had symptoms of, or been treated for, within the last five years before your policy was taken out.

If you take out the policy and you have two ‘clear years’ for this condition: you have not asked for advice, had symptoms of, or been treated, then you will be eligible for cover for that condition subject to policy terms and conditions.

Full medical underwriting
A health questionnaire (known as a full medical assessment) is used to ask you questions about your past and current health. In some cases we may need to talk to your doctor to get further information. Any condition that you have had before or is on-going would usually not be covered.

You will receive documentation that will list which conditions will be covered under the terms and conditions of your policy.

Click here for more information on methods of underwriting