Health & Medical Insurance are increasingly being taken up within the UK but, as a quality Health & Medical Insurer, Freedom customer service representatives find that there are some questions that arise repeatedly from our potential clients.

A health insurance policy is a contract that is created between the medical insurer and the client or a group (like a company). Within this contract is the promise by the health insurer to provide specified health insurance at an agreed price - the premium that the client pays. With Freedom policies, the health insurance premium can be paid either in full or in installments, but not all insurance providers operate in this way.

As with any contract, the insurer has to provide information about exclusions and the terms and conditions of insurance. The client (or insuree) provides information about their prior health either at the time of taking out the policy or, as in the case of Freedom Insurance, in the event of a claim. The terms and conditions of the medical insurance policy will probably exclude chronic (long term) existing conditions and specify that conditions reoccurring within a specified time before the policy will not be covered. For instance, if you suffer from recurring condition such as asthma, diabetes or eczema these would not be covered under a health policy. However, an acute condition such as a hernia which had been corrected and the person had been symptom free for a period of time (i.e. 2 years / 5 years, dependent upon the policy) then a different hernia formed, this could be covered. This is why it is so important for people to read the policy carefully and to ask questions of the insurer to ensure that they understand fully what they are and are not covered for.

Upon approval of claim, Health / Medical insurance provides either a direct payment to the claimant or to the hospital. With private health insurance from Freedom, payment is made directly to the client upon approval of inpatient claim, to spend on treatment in the UK or abroad.

The costs and the range of protection provided by health insurance varies from company to company and varies based upon the type of policy taken out, which is why it is important to read what is covered carefully and speak to an advisor from the company for further advice.

Want to know how much health insurance costs? Get an instant online quotation for private health insurance from Freedom and learn how little you have to pay for good quality cover.