Private health insurance is a type of insurance policy which is designed to cover the costs of private healthcare for acute conditions from diagnosis to treatment. Essentially, private health insurance gives policyholders easy access to medical treatments and facilities.

Here at Freedom Health Insurance, you can choose whether you would like to pay for private health insurance on a monthly or annual basis.

The cost of private health insurance varies due to a range of factors, such as the policyholder’s age and the type of health insurance policy selected. Find out more about how much private health insurance costs  or get a quote here.

Here at Freedom Health Insurance we’ve made getting private health insurance easy. All you need to do is fill out an online quote with your personal details, who you want your policy to cover and your health cover choices. You will be provided with a quote and you can buy online.

Private health insurance doesn’t usually cover treatment of long-term (chronic) conditions, where this is focused on keeping the symptoms under control. It also doesn’t usually cover:

• Pre-existing conditions that you had before starting the policy
• Emergency treatment
• Pregnancy and childbirth
• Cosmetic surgery
• Organ transplants

For a full list of what’s not covered, check the policy documents for your health insurance plan.

No, you don’t. However, you may need to answer some questions about your medical history or we might need to contact your GP. We’ll always tell you if that’s the case. Just give us a call and we’ll tell you if we need more information before giving you a quote.

Private health insurance does not generally cover pre-existing conditions; however, some conditions might be covered after 2 years if you had no symptoms, treatment or medication in that period, depending on your underwriting.

An insurance premium is the amount you pay monthly or annually for your health insurance policy. Your premium is reviewed once a year and it could change depending on factors such as your age or medical inflation. We usually won’t increase your premium for making a claim.

Yes. Private health insurance is not meant to replace the NHS, but to work alongside it as some things are not covered by private health insurance (such as emergency services or pre-existing health conditions). For more information see NHS vs Private Healthcare.