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Freedom Elite

Flexible health insurance created around your personal healthcare needs and budget.

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Switch to us and you can usually continue your group health cover without losing the benefits that are important to your business. Call us today to discuss your options. 0800 999 2013*

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What is Freedom Elite?

At the heart of every Freedom Elite policy there is a comprehensive core cover, designed to provide a strong foundation for building your own personal healthcare plan. With a selection of additional health benefits to choose from and policy choices that could save you money, we make it easy for you to create the medical insurance that’s right for you and your loved ones.

Core cover

Freedom Elite covers eligible hospital fees, specialist fees and diagnostic tests in full when you are admitted to a hospital for inpatient or day-patient treatment. Here are other benefits included in the core cover:

  • Dental surgery
  • Home nursing
  • Private road ambulance
  • Pregnancy complications
  • Maternity cash benefit
  • MRI, CT and PET scans
  • NHS cash benefit
  • Cancer cover
Freedom Elite Page - Core Cover

Find out more information about the Freedom Elite core cover.

Cancer cover

Being diagnosed with cancer can be life changing and having a private medical insurance plan you can rely on in these difficult moments is of utmost importance.

With comprehensive cancer cover included in all our Freedom Elite plans, you can rest assured that you will be covered for initial investigation and diagnostic tests (available with the optional outpatient benefit), surgical treatment, radiotherapy, chemotherapy and follow-up monitoring. 


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What Makes Freedom Elite Different

If you are looking for a comprehensive health insurance policy that gives you flexibility and great cover then look no further.

GP-Referred Diagnostics

GP-Referred Diagnostics

Save precious time by being referred for further tests by your GP without having to see a specialist. Only available with the Outpatient Benefit.

Pregnancy Complications

Pregnancy Complications

Benefit from cover for pregnancy complications with no qualifying period. Part of the Freedom Elite health insurance core cover.

Unlimited NHS Cash Benefit

Unlimited NHS Cash Benefit

We do not limit the number of times you can be admitted to an NHS hospital during a policy year for which you can claim £200/night or £100/day.

Optional health insurance benefits

  • Access to the London Plus hospital list extension which includes central London private hospitals and HCA Healthcare UK facilities throughout the UK
  • Outpatient treatment benefit with two levels of cover
  • Alternative Therapies cover which includes Osteopathy, Chiropractic, Acupuncture, Homeopathy and Podiatry
  • Mental health cover
  • Private GP, Dental and Optical Benefit

Find out more about the additional cover options.

Quickly start your health insurance application

Apply for private medical insurance now and we will get back to you with a free, no-obligation health insurance quote for the cover that best suits your needs.


What’s not covered

  • Accident or emergency treatment
  • Pre-existing conditions - treatment for conditions or symptoms you had before you joined us
  • Chronic conditions – ongoing, recurrent or long-term conditions such as asthma or diabetes
  • Cosmetic treatment
  • Pregnancy and childbirth – we will only cover pregnancy complications

For a full list of exclusions see the Policyholder’s Guide to Cover

Leaving your company’s health insurance scheme? You can easily switch to Freedom Elite on a similar cover.

Reducing your premium

Private medical insurance is all about peace of mind. That’s why you should be comfortable with what you are paying. Here are 4 ways you can reduce your insurance premium:

  • Pay yearly and save 6%
  • Select the 2-year fixed premium option to guarantee your premium for next year. T&Cs apply
  • Choose the excess that works for you and bring down your cost
  • Choose only the health benefits you want with no hidden extras
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Important documents

For more information about Freedom Elite, please see our policy literature below.

All documents

If you still have questions regarding our Freedom Elite health plan, read our FAQs.