Private medical insurance has long been perceived by many to be a luxury. With much of the UK’s population cutting back on ‘wants’ and concentrating on their ‘needs’, private health cover could be made less of a priority, but this doesn’t have to be the case. There are a few ways in which you can save money on a quote for health insurance.


First, you should make sure that you have chosen the level of cover that is most relevant to you and your family’s lifestyle. There is no point paying for a policy which has a maximum level of benefits to offer like Freedom’s Diamond Plus Comprehensive cover, when you may not be taking full advantage of it. When money is tight, a more basic policy such as Freedom Gold Medical Insurance could still provide you with the peace of mind that a more extensive level of cover with another insurer could provide, but at a fraction of the cost.*


There are other options, if you would still like to enjoy the wide range of treatments that can be made available from a good private health insurance policy. By increasing your initial excess fee you will also be able to lower your premiums. Sometimes your quote will be decreased with a no claims discount, if you haven’t claimed on your policy as of yet . If you decide to take up a healthy lifestyle, by giving up smoking for example, this can also make a difference, as well other options, such as narrowing the hospital choice open to you, and also, electing for a longer waiting time.

*Get an instant online quote and call 0800 999 2013 for comparison quotes with other providers, quoting BLOG as reference.

It is very important that you should think carefully about how to get a private medical insurance policy that suits your needs. If the time comes when you need to make a claim, you do not want to find that you are not covered for a particular type of treatment. When enquiring into a quote for private health insurance there are many questions that you should ask yourself. Here are just a few:

Am I required to undergo any health checks?

This depends on which type of underwriting you choose for your policy. If you opt for moratorium underwriting you will not have to take any tests or give any information, but for two years you won’t be covered for the treatment of any type of condition that you have had medication, advice, treatment or have experienced symptoms for, whether or not the condition has been diagnosed in the last five years. You will have to fill out a full medical questionnaire however, if you choose full medical underwriting.
Will I have to contribute anything towards the cost of my health care?

You will have to pay a £100 excess on every claim you make with Freedom Healthnet. However, if you decide to increase this cost then you could save up to a quarter off your premiums. With fully comprehensive policies such as Diamond Plus, you will be entitled to unlimited in-patient and out-patient care so you should not have to pay anything else, but you may have to pay a little bit extra if your treatment goes over the limits of your benefits.

Are dental and alternative therapies covered?

Freedom Healthnet does not contribute towards the cost of any dental treatment, but it does embrace the popularity of alternative therapies, such as acupuncture, with the possibility for Diamond Plus customers to add this on to their policies. Other options include psychiatric care and rehabilitation treatments like home nursing and specialist second opinions which are not always covered by other health insurers.