If you are experiencing a medical issue, you should always contact a GP to get medical advise. Should the GP feel that you need to be referred, they will issue you a referral letter. At this point, please contact us with details of the claim you wish to make. We can create your claim and advise of cover. Find out more about the Freedom Elite claims process. To make a claim now, contact us on 01202 283 580* (Monday to Friday, 9am - 6pm) or email us at [email protected].

To make a claim under your Freedom Essentials policy, you must first see your GP and obtain a referral letter. After you’ve seen your GP, please contact us to get authorisation for your treatment. If your claim is approved, and you need inpatient or day-patient treatment, you will receive a fixed cash benefit which you can use towards your treatment at any facility in the UK or abroad. If the treatment costs more than the cash benefit, you are responsible for any shortfall, but if there is any surplus cash after paying for the treatment, this is yours to keep. Find out more about the Freedom Essentials claims process. To make a claim now, contact us on 01202 283 580* (Monday to Friday, 9am - 6pm) or email us at [email protected]

To make a claim for your Freedom Worldwide international health insurance, you must first consult your doctor. If you need further inpatient or day-patient treatment, please contact us to obtain authorisation for your claim. If your claim is approved, we are usually able to settle your bills directly with the healthcare provider.

If you need outpatient treatment, you can receive your treatment first by paying for the bills yourself, then fill in a claim form and send it along with a copy of your itemised invoice. Find out more about the Freedom Worldwide claims process. To make a claim now, contact us on 0044 1202 756 350* (Monday to Friday, 9am - 6pm) or email us at [email protected].

Depending on your product, you usually have to obtain a referral letter from your GP first then call us to receive approval for your claim before getting treatment. Find out how to make a claim depending on the type of cover you have with us.

Depending on your product, you may need a referral letter for outpatient claims (Freedom Elite and Freedom Essentials). For Freedom Worldwide outpatient claims, you can receive your treatment without obtaining pre-authorisation from us. This means you will have to pay for the treatment yourself then submit a claim form for getting reimbursement for your costs. Find out how to make a claim depending on the type of cover you have with us.

If you have a Freedom Elite policy with the optional Dental, Optical and Private GP cover or a Freedom Essentials policy with outpatient cover, you don’t need to obtain pre-authorisation from us for dental, optical and private GP claims. To make a claim for any of these, please submit an online reimbursement claim form. If your claim is approved, your reimbursement will be sent directly to your preferred payment method. Find out more about how the reimbursement online claims tool works.

If you have Maternity Cash Benefit under your policy, please submit an online claim form. If your claim is approved, your Maternity Cash Benefit will be sent directly to your preferred payment method.