Benefits of Freedom Insurance Policies

You can join Freedom Healthnet at one of four levels; Gold, Platinum, Diamond or Diamond Plus. Each type of private health insurance covers you for a range of benefits:

Inpatient hospital cost & daycare	Gold	Platinum	Diamond	Diamond Plus
Annual inpatient limit	£30,000	£50,000	£100,000	No annual benefit limit
Hospital Charges: nursing fees, medical expenses, ancillary charges, prescribed medicines and drugs	Covered in full within procedure price* within annual limit			Covered in full within procedure price*
MRI, CT scans, tests and X-rays	Covered up to annual inpatient limit			Covered in full
Oncology tests, drugs, consultants fees including cover for chemotherapy and radiotherapy	Covered up to annual inpatient limit			Covered in full
Physiotherapy	Covered up to annual inpatient limit			Covered in full
Pregnancy Complications	Covered in full within procedure price* after cover has been in force 11 months (up to annual limit)			Covered in full within procedure price* after cover has been in force 11 months

Out-patient Cover	Gold	Platinum	Diamond	Diamond Plus
Annual outpatient limit	£1,000	£1,000	£1,250	No annual limit
Specialist consultations and treatment fees	Covered in full within annual limit			Covered in full
X-rays, pathology, diagnostic tests and procedures	Covered in full within annual limit			Covered in full
MRI, CT scans, radiotherapy & chemotherapy	Covered in full within annual inpatient limit			Covered in full
Physiotherapy	Up to £500 (within annual limit)			Up to £500

Please note, MRI scans, CT scans, Radiotherapy and Chemotherapy will be taken from the inpatient benefit whether treatment is taken as outpatient, day patient or inpatient.

Alternative Therapies
GP or specialist referred to a registered Physiotherapist, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist	£1,000 per policy year GP referral – up to 6 visits Specialist referral – up to £1,000 Please note: For physiotherapy, £500 in addition to £500 included in out-patient cover Total of £1,000

Psychiatric care
In-patient treatment in published hospital schedule	Covered in full to a maximum of £10,000 per policy year
Out-patient treatment	£1,500 per policy year (£100 excess per claim)