Cost-conscious health insurance that provides a fixed cash benefit to get treated in the UK or abroad.
Freedom Essentials health insurance is designed to help cost-conscious people get a good level of health insurance cover. Freedom Essentials gives your clients a fixed cash benefit for eligible inpatient and day-patient treatment which they can use to get treated privately in the UK or abroad as a self-pay patient. If they decide to use the NHS instead, 50% of the cash benefit will be paid to spend however they want.
Your client can get treated at any medical facility in the UK or abroad.
For all benefits in the core cover including inpatient & day-patient treatment.
Choice to cover outpatient treatment including dental, optical and specialist fees.
With no annual limit, the Freedom Essentials core cover provides a fixed cash benefit based on the average cost of medical services, towards the cost of eligible inpatient and day-patient treatment. The fixed cash benefit is paid straight to your client so they can arrange the treatment directly with the hospital under a self-pay contract.
See the Policy SummaryYour clients can choose any hospital in the UK or abroad and arrange treatment directly with the facility. If the treatment cost is less than the cash benefit received, the difference can be kept. If it’s more, your client will be responsible for any shortfall.
Freedom Essentials offers a fixed cash benefit equal to 50% of the fixed cash benefit available under the inpatient and day-patient benefit for active cancer treatment. On top of this, we also pay £150 for each session of chemotherapy or radiotherapy as part of a course of active cancer treatment.
If your client chooses to get inpatient or day-patient treatment under the NHS instead of going to a private hospital, we will pay 50% of the fixed cash benefit otherwise paid by the policy. Please see the Freedom Essentials Brochure for more information.
Cover for pregnancy complications, dental surgical procedure and MRI, CT and PET scans are also included in the Freedom Essentials core cover.
Freedom Essentials also offers an optional benefit package for outpatient treatment that takes place in the UK which can be added to the core cover.
More on the optional coverPlease see the Freedom Essentials Brochure for more information.
This is not the full list of exclusions. Please refer to the Freedom Essentials Brochure for more information.
If you want to find out more about Freedom Essentials, please speak to our intermediary support team today.
01202 283 581* Mon - Fri: 9am - 6pm
For more information and for the terms and conditions, please see the following documents: