Freedom Healthnet has now launched its fully comprehensive worldwide health insurance policy with additional options to suit your lifestyle. See what is covered and what options you need and get an instant online quote for worldwide health insurance to see how little it could cost.
| Freedom Worldwide | Diamond | Platinum | Gold | Silver | Bronze |
|---|---|---|---|---|---|
| Maximum Annual Plan Benefit | 2,000,000 | 1,000,000 | 750,000 | 500,000 | 500,000 |
| Currency | €/£/$ | €/£/$ | €/£/$ | €/£/$ | €/£/$ |
| In-Patient and Day-Patient Treatment | |||||
| Hospital accommodation | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Nursing fees, medical expenses and ancillary charges | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Surgeons’, consultants’, anaesthetists’ and medical practitioners’ fees | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Prescription drugs and medicines | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Surgical appliances and prostheses | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| MRI, PET and CT scans (in-patient and out-patient) | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| X-rays, pathology, diagnostic tests and procedures | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Physician and therapist fees including physiotherapist (referral by a medical practitioner, consultant) | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Oncology including chemotherapy and radiotherapy (in-patient and out-patient) | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Cost of accommodation for one parent staying with insured child under 16 | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Out-patient surgery | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Psychiatric treatment (after 10 month waiting period) max 28 days | Full Refund |
10,000 | 5,000 | 5,000 | No Cover |
| Organ transplant | 300,000 | 200,000 | 200,000 | 100,000 | No Cover |
| Additional Benefits | |||||
| Local ambulance | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Nursing at home (immediately following or instead of an in-patient) | 3,500 | 2,000 | 1,500 | 1,500 | No Cover |
| Complications in pregnancy or childbirth (12 month waiting period applies) | 10,000 | 5,000 | 2,500 | 2,500 | No Cover |
| In-patient cash benefit (per night at non-charging hospital) | 100 max 50 nights |
100 max 50 nights |
100 max 50 nights |
100 max 50 nights |
100 max 50 nights |
| Hormone replacement therapy | 250 | 250 | 250 | 250 | No Cover |
| Chronic medical conditions inc maintenance, palliative treatment, drugs/dressings | 50,000 life time limit |
40,000 life time limit |
30,000 life time limit |
20,000 life time limit |
No Cover |
| Terminal illness hospice care and palliative treatment, following diagnosis | 50,000 life time limit |
40,000 life time limit |
30,000 life time limit |
20,000 life time limit |
No Cover |
| Emergency in/day-patient dental treatment for accidental damage to natural teeth | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Out-patient Benefit | |||||
| Maximum benefit | No Limit | 5,000 | 2,500 | 1,500 | 1,000 |
| Medical practitioners fees including medicines, drugs and dressings | Full Refund |
Full Refund |
Full Refund | Full Refund | Cover following an In-patient surgical procedure for up to 90 days |
| Specialist and consultants fees | Full Refund | Full Refund | Full Refund | Full Refund | |
| Diagnostic tests | Full Refund |
Full Refund |
Full Refund | Full Refund | |
| Physiotherapy by a registered physiotherapist, when referred by a medical practitioner, consultant or specialist | Full Refund | 1,000 | 500 | 500 | |
| Chiropractic treatment, osteopathy, homeopathy, Chinese herbal medicine and acupuncture when referred by a medical practitioner, consultant or specialist | Full Refund | 1,000 | 500 | 500 | |
| Psychiatric treatment (after 12 months waiting period) | 2,000 | 1,000 | 500 | 500 | No Cover |
| Routine health checks, including vaccinations | 300 | 200 | 200 | 100 | No Cover |
| Dental Benefit | |||||
| Maximum benefit | 3,000 | 1,000 | 500 | No Cover | No Cover |
| Dental treatment including surgery | Covered up to 75% of the max benefit | Covered up to 75% of the max benefit | Covered up to 75% of the max benefit | No Cover | No Cover |
| Emergency out-patient dental treatment | Covered up to 75% of the max benefit | Covered up to 75% of the max benefit | Covered up to 75% of the max benefit | No Cover | No Cover |
| Orthodontic treatment (12 month waiting period and only available to members under 18 years of age) | Covered up to 75% of the max benefit | Covered up to 75% of the max benefit | Covered up to 75% of the max benefit | No Cover | No Cover |
| Repatriation Benefit | |||||
| Medical repatriation to home country including cost of insured persons Dependent(s) or close business colleague to accompany them, to include economy class air fare and accommodation | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Compassionate emergency visit Costs incurred by an insured person for an economy class return airfare from the country of residence to visit a close family member, up to the attained age of 75 years, in the event of a medical condition that results in that close family member being placed on a critical list, or his/her death. Limited to one return journey per insured per plan year | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Repatriation of mortal remains | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Medical evacuation | Full Refund |
Full Refund |
Full Refund | Full Refund | Full Refund |
| Maternity Benefit - Only available to Female members who are aged between 18 and 44. Cover only becomes available for treatment received 11 months after the Policy inception. | |||||
| Routine maternity | 7,500 | 5,000 | 2,500 | No Cover | No Cover |
| Birth defects and congenital abnormalities | 20,000 | 15,000 | 10,000 | No Cover | No Cover |
| New born accommodation when staying in hospital with mother | Full Refund |
Full Refund |
Full Refund | No Cover | No Cover |
| Accidental death benefit | |||||
| Death in the event of an accident | 100,000 | 100,000 | 100,000 | No Cover | No Cover |
| Emergency medical cover (outside of area) | |||||
| Cover for Emergency medical treatment outside of your chosen area of cover | Max 90 days, up to 50,000 | Max 60 days, up to 40,000 | Max 30 days, up to 30,000 | No Cover | No Cover |
Please Note: All limits above are per Policy year unless otherwise specified.
Next Steps
Call Freedom on
0800 999 2013
Lines are open 9am to 6pm Monday to Friday
0800 999 2013
Lines are open 9am to 6pm Monday to Friday
