Increasing numbers of people are deciding to have joint replacement surgery in their forties and fifties rather than waiting until later on in life. That’s according to a survey carried out by hipandkneenetwork.co.uk, which found that although the majority of patients were over the age of 60 when they had their surgery, a surprising 12 percent were aged between 41 and 50 years old, and a further 27 percent were in the 51 to 60 age bracket. This makes private health insurance an increasingly attractive option, as waiting lists for operations such as joint replacements can often be lengthy and with even more people considering the option at an earlier age they could get longer. PMI gives a good alternative to waiting for long periods of time for treatment that can save a lot of pain and suffering.

A staggering 21 percent of people who took part in the survey also said that they had waited for over eight years before deciding that they should do something about the problem, a long time for someone to be in an often agonising condition. By taking out a private medical insurance policy for as little as £10.88 a month with Freedom Healthnet, you can have access to top quality healthcare in a time and place that is most convenient to you so there is no need to put off treatment for longer than necessary. In fact, that is what a further 21 percent of people in the study seem to have done, as they only suffered with joint problems for less than 12 months before seeking medical advice.

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.