A patient who is attending a hospital appointment but is not admitted is an outpatient. A day-patient is admitted to hospital and given a bed for monitoring but does not stay overnight. An inpatient is admitted to a hospital and occupies a bed overnight or longer.

We aim to have applications processed within 5 working days.

All Freedom Health Insurance policies are annual policies, meaning that we don’t provide cover for less than a 12-month period.

You can talk to us or your broker, if you have one, about switching to Freedom Health Insurance if you already have private health cover with a different provider by giving us a call on 0800 999 2013*.

Yes, you can add your child(ren) and/or partner to your Freedom Health Insurance plan. Find out more about family health insurance and get a quick online quote to see how much you can pay.  

You can add a child to your policy up to the age of 25. Following their 25th birthday, they will remain on your cover until the policy’s next renewal date.

We allow children to be added to a parent’s policy from the day they are born.

We offer you the opportunity to transfer cover from a group scheme to an individual Freedom policy on the same terms. This means that you will continue to be covered for all medical conditions for which you made eligible claims while being on the group scheme. Find out more.

Travel insurance tends to cover travel cancellations, personal belongings and emergency medical treatment while travelling internationally for a limited time. The health benefits it includes are usually restricted to prevent expensive charges.

International health insurance, on the other hand, is designed to help ensure that you have access to private healthcare should you need it while living and/or working abroad for a long period of time (usually longer than 12 months).

They are completely different insurance products. Life insurance is designed to give financial security to your loved ones by paying out a cash sum if you die during the term of your policy. Health insurance covers the cost of medical treatment for acute conditions that start after your policy begins.

Find out more about health insurance.

There are several ways you can do this:

• Pay annually rather than monthly and save 6% of your annual premium.
• Choose a voluntary excess that works for you. The higher your excess, the lower your premium will be, but this also means that you will have to pay more money towards the cost of your treatment if you make a claim.
• Select only the optional health benefits that you need, to avoid paying for something that you will never use.

Find out more about how your premium is calculated.

To take out a new Freedom Health Insurance policy, we require you to be between 18 and 70. Any children can be added to their parents’ policy from when they are born until they turn 25.  

Although you cannot get a new Freedom plan above the age of 70, if you are already with us, we will continue your cover with no further age restrictions. Get a quick online quote.

The price of your Freedom Health Insurance plan is dependent on the number of people covered, their ages, the health benefits chosen and any additional options selected (i.e. excess level, monthly/annual payment). To find out how much your plan would cost, get a quick online quote. You can also find out more about how your premium is calculated here. If you have further questions, please contact us.

Private medical insurance is not travel insurance and it will not cover you for flight cancellations or loss of personal belongings during travelling. Many UK health insurance policies will also not cover you for health expenses abroad. They are different products, they cover different things and they are usually active for different periods of time.

Like most other health insurance companies, we exclude any pre-existing conditions to try and make your policy more affordable. However, the type of underwriting you chose determines whether your pre-existing conditions will be covered in the future. If you would like further information about pre-existing conditions, please contact us.

Medical insurance is not intended to cover conditions which require ongoing or regular treatment to maintain the stability of the condition. However, Freedom Health Insurance covers short-term treatment of unexpected acute exacerbations of the chronic condition which is necessary to stabilise the condition.

Like most health insurance providers, we do not cover accident and emergency treatment. However, with Freedom Worldwide, depending on your cover level, we will cover you for emergency treatment if it’s outside your area of cover. 

We do not cover regular pregnancy medical procedures. However, pregnancy complications and a maternity cash benefit are available for all our policies. To find out more, please see our product pages.

Cancer coverage is one of our top priorities at Freedom Health Insurance. That’s why our Freedom Elite and Freedom Worldwide plans provide a comprehensive cancer cover. With our Freedom Essentials plan, we provide a cancer cash benefit. To find out more about how each product deals with cancer, please visit the product specific pages or contact us.

Freedom policies do not provide cover for general health checks.