Freedom Healthnet has beaten the majority of other private health insurance providers on the cost of all four of the different levels of policy it offers in a review by Which?. Included in the research were prices and comparisons between 54 of the country’s top private medical insurance companies, like AIG, PruHealth, Saga and AXA-PPP. Freedom Healthnet’s Gold, Platinum, Diamond and Diamond Plus policies were slotted under the modular health insurance policy section, referring to the fact that extra services like physiotherapy are available to the customer at a small extra cost. Not only were Freedom’s policies cheaper on all occasions except when comparing the fully comprehensive cover to an average policy, but the maximum age for policy holders was also considerably higher. Freedom Healthnet covers people up to the age of 75, up to 11 years more than BCWA’s personal health policy.


Three of Freedom’s policies – Gold, Platinum and Diamond were up to a third less than some of the competitor’s offerings in the comparison. A woman aged 33 years old would expect to pay £14 with Freedom Healthnet, compared to £50 per month with Norwich Union’s Health Solutions. Being a cash plan private medical insurance provider allows Freedom to cut it’s premiums significantly while still offering a good level of private medical cover. By paying it’s customers a cash lump sum to cover the cost of medical treatment, it allows patients to make savings from being able to offer a payment upfront to the clinic or hospital. Freedom then passes on the savings to its policy holders, giving them the best deal possible.