Private Health Insurance Help & FAQs

The following private medical cover questions are ones we are frequently asked.

Freedom Individual Medical Cover

 

What Hospitals can I use?

Any. The Freedom Health Insurance Plans enable you to choose any hospital in the UK and abroad for in-patient treatment.

How do I join?

You have two choices:
1.Complete a paper application form or
2.Complete and submit your private health insurance application online

Once we accept your health insurance application, a confirmation letter will be sent within three working days and your private medical cover policy documents will be issued within five working days. You have fourteen days in which to change your mind and cancel the plan by returning the documents.

If for any reason we cannot accept your application for private medical cover, you will be advised in writing.

What is the method of underwriting?
Private health insurance by Freedom Healthnet is underwritten on a Moratorium basis. This means that any medical condition that occurred during the five years prior to the inception of your Freedom private medical cover plan will be excluded for the first two years your policy is in force. Private medical cover excluded by the Moratorium may be re-instated later if the medical condition has not recurred for a continuous period of two years since the date it was last treated. Please refer to underwriting for a full explanation.

Full medical underwriting (FMU) policies are available upon request. Please refer to our health insurance underwriting for a full explanation.

Is there a maximum I can claim in any year?
Yes, depending on which level of private medical cover you select, there may be an overall limit on claims each year and there is a specific limit for each medical procedure. For an example of benefit payable for private medical procedures please view our list of Top 100 Procedures.

Do I have to use the benefit for treatment?
This health insurance plan is designed to give benefits for medical treatment either privately in the UK, abroad or using the NHS. Any savings arising from private medical treatment or free treatment on the NHS can be kept by you.

However, if you do not have the authorized in-patient treatment within six months, any additional treatment required directly or indirectly as a result of not receiving the authorised treatment will not be covered under your private health insurance policy.

Is there an age limit?
To join Freedom Healthnet, you must be 18 or over and not older than 75*. Children included in your private health insurance policy must be under 21 (or 25 if in full-time education) otherwise they must apply for cover under their own separate private medical cover plan.

* Applicants aged between 66 and 75 will be subject to full medical underwriting. To find out more about the different types of underwriting for health insurance, please view our underwriting information.

Can I still have treatment anywhere in the world with Diamond Plus?
As with the other Freedom Healthnet policies, the health insurance plan is designed to give cash benefits for medical treatment either privately in the UK, abroad or by using the NHS. Any savings arising from private treatment or free treatment on the NHS can be kept by you.

Can you pay the hospital at the time of the claim?
Yes, on your instructions we can pay your procedure benefit sum directly to a hospital of your choice. Any savings will be refunded to you. If the hospital costs exceed your procedure benefit, you will be responsible for the surplus.

Freedom Healthnet's Corporate Health Insurance

 

We already have a private medical insurance plan. Can we switch to Freedom Corporate Health Insurance on the same underwriting terms?
Yes, in most cases. Please read our leaflet ‘Switching your Cover’ which gives full details.

Can employees who leave, continue to benefit from Freedom Corporate?
If they contact us we will be happy to advise on the private medical cover options available.

Can we add new employees / dependents to the plan?
Yes. New employees and dependents can be added at any time to your current corporate health insurance plan.

Is there a minimum number of employees needed for a Freedom Corporate Health Insurance plan?
Yes. There is a minimum of 3 employees, with no maximum.

What hospitals are we covered for?
Any. The Freedom Corporate health insurance plan enables you to choose any hospital worldwide.

Is there an age limit?
To join the Freedom Corporate health insurance plan, employees must be 18 or over and not older than 65. Children included in the medical cover must be under age 21 (or age 25 if in full time education).