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Exclusions & Limitations of Private Health Insurance

As with any private health insurance policy, there are certain exclusions and limitations to the cover provided.

There are exclusions you should be aware of under the private health insurance plans from Freedom Healthnet. Some examples of our exclusions are:

  • Drug, solvent and alcohol abuse
  • Pre-existing conditions (unless we have approved treatment relating to them)
  • HIV/AIDS
  • Cosmetic Surgery
  • Excess (Optional)
  • Treatment undertaken by a Specialist without a GP referral
  • Kidney dialysis
  • Professional sports injuries
  • Self inflcited injuries
  • Sexual dysfunction
  • Treatment for verrucas or warts
  • Weight loss surgery
  • Chronic conditions (as defined in policy booklet)

 

For a full list of exclusions, please refer to our Policy Document.

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Freedom Healthnet

Hybrid Cashplan Health Insurance

Freedom's hybrid cashplan policy gives you the opportunity to provide health care cover for yourself and your family with unprecedented flexibility at a competitive cost.

  • cheap premiums from as little as £11.43 (cashplan)
  • cash payout for medical treatment
  • you keep any excess funds
  • choose treatment location: in the UK or abroad

Comprehensive Medical Insurance

Freedom's comprehensive health insurance policy, Elite, provides a fully flexible, customisable plan to suit you and your family. Tailor your policy for your requirements from

  • inpatient only or add outpatient cover
  • therapies cover such as chiropracter, osteopathy
  • GP, dental & optical
  • infertility & pregnancy complications
  • chronic conditions option
  • Regional; London; or London premier hospitals

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