The bigger the better – the well-known phrase that many of us live by, either consciously or subconsciously when making decisions every day of our lives whether that’s choosing between the 8oz or 16oz steak or which level of private medical cover to opt for. Before the recession took hold last year, people may have decided that a fully comprehensive policy was best for them with every possible situation covered. But since then, people have begun to opt out of certain aspects of their policy such as extra alternative therapies or physiotherapy, especially as premiums have begun to rise. But Stuart Scullion, spokesman for The Private Health Partnership told Health Insurance and Protection Magazine that the public’s attitude has changed to prefer cheaper, more flexible policies. ““Most consumers automatically initially think that they want a comprehensive full refund inpatient and outpatient contract but when you delve a bit deeper they quite often prefer budget policies.”

Freedom Healthnet has always offered private medical insurance policies at an extremely competitive price, with opt-outs on all levels of policies. This is something that some insurers are only just beginning to introduce as they realise that their customers are looking to cut costs in all areas of their finances, including their private health insurance. Hospital lists are one way in which costs can be cut by many health insurance providers but Freedom Healthnet has no selective lists on any of its policies. This means that no matter how much their customers pay each month, they will still have access to the same number of treatment centres across the UK. This increases the chance that a person will be able to be cared for in a place and time that is most convenient to them.