You may be inclined to think that a private health insurance policy is a private health insurance policy, whether you buy it from Freedom Healthnet or one of its competitors. But there are many different levels of cover, and different types of policy itself, as well as minor differences which may make you think twice before you buy one health insurance policy over another.

One example of these minor differences are hospital lists, which are given by some private medical insurance providers to their customers from which they are required to choose where they would like to be treated. One provider who offers this kind of service is Norwich Union, and in order to gain access to a wider range of treatment centres, customers have to fork out for a policy with a much higher premium.  Freedom Healthnet on the other hand doesn’t have any hospital lists on all levels of cover (with the exception of some areas in London) so policy holders are free to choose either a private or NHS hospital in an area that is most suitable to their needs. Private medical insurance customers with a limited hospital list on their policy could use the money they would have spent to extend this list on topping up a Freedom Healthnet policy so that it includes more benefits. By upgrading from Freedom Gold to Freedom Platinum, you could nearly double your in-patient treatment limit from £30,000 to £50,000 and this could be from just 33 pence extra per month.