Levels of Cover for Individual Private Medical Insurance

Within the cashplan insurances, Freedom Healthnet can offer an individual hybrid cash plan to meet your needs at a competitive premium. To simplify your choices, the products are categorised into three cashplan levels:

• Essential (basic level) health insurance cover
• Midrange health insurance cover
• Comprehensive health insurance cover
  

In addition to this, we also have a traditional comprehensive insurance policy.

Essential Cover

Essential cover is designed for individuals and provides in-patient benefit only. You would use this if you were admitted to hospital and occupied a bed overnight or longer, for medical reasons. This is our cheapest health insurance policy.

Inpatient hospital cost & daycare	Gold
Annual inpatient limit	£30,000
Hospital Charges: nursing fees, medical expenses, ancillary charges, prescribed medicines and drugs	Covered in full within procedure price* within annual limit
MRI, CT scans, tests and X-rays	Covered up to annual inpatient limit
Oncology tests, drugs, consultants fees including cover for chemotherapy and radiotherapy	Covered up to annual inpatient limit
Physiotherapy	Covered up to annual inpatient limit
Pregnancy Complications	Covered in full within procedure price* after cover has been in force 11 months (up to annual limit)

* The procedure prices are stated in the current Schedule of Procedures used by Freedom Healthnet Ltd

Midrange Cover

Midrange cover is designed for individuals, especially those with children. It provides limited in-patient and out-patient benefits. This mid range cover provides a range of cover options and is an affordable health insurance.

Inpatient hospital cost & daycare	Gold	Platinum	Diamond
Annual inpatient limit	£30,000	£50,000	£100,000
Hospital Charges: nursing fees, medical expenses, ancillary charges, prescribed medicines and drugs	Covered in full within procedure price* within annual limit
MRI, CT scans, tests and X-rays	Covered up to annual inpatient limit
Oncology tests, drugs, consultants fees including cover for chemotherapy and radiotherapy	Covered up to annual inpatient limit
Physiotherapy	Covered up to annual inpatient limit
Pregnancy Complications	Covered in full within procedure price* after cover has been in force 11 months (up to annual limit)

Outpatient cover	Gold	Platinum	Diamond
Annual outpatient limit	£1000	£1000	£1250
Specialist consultations and treatment fees	Covered in full within annual limit
X-rays, pathology, diagnostic tests and procedures	Covered in full within annual limit
MRI, CT scans, radiotherapy & chemotherapy	Covered in full within annual inpatient limit
Physiotherapy	Up to £500 (within annual limit)

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.

 

Comprehensive Cover

Comprehensive cover is designed for individuals and families and provides full in-patient* and out-patient benefits. You would use this if you or your family were admitted to hospital and occupied a bed overnight or longer, for medical reasons and also for out-patient services. You also have options to include alternative therapies, psychiatric care and rehabilitation benefits.

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

Outpatient cover	Diamond Plus
Annual outpatient limit	No annual limit
Specialist consultations and treatment fees	Covered in full
X-rays, pathology, diagnostic tests and procedures	Covered in full
MRI, CT scans, radiotherapy & chemotherapy	Covered in full
Physiotherapy	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.

Optional extras for Diamond Plus Comprehensive Cover

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)

Rehabilitation benefits
Home nursing	Full cover up to 28 days
Recuperative care	Up to £1000 per claim
Specialist second opinions	1 per claim

 

Freedom Healthnet also offers a traditional comprehensive medical insurance policy with various optional extras, including London hospital cover and private GP, dental cover, etc.

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