- Get a Quote
- What is Private Healthcare?
- Benefits of Freedom Policies
- Comprehensive Health Insurance
- Comprehensive - Levels of Cover
- Cashplan Health Insurance
- Cashplan - Levels of Cover
- International Health Insurance
- Individual Health cover
- Cancer Cover
- Psychiatric Cover
- Complementary medicines
- Exclusions and limitations
- Leaving a corporate scheme (switching)
- FAQ
Pre-existing conditions are not normally covered under health insurance policies.
A pre-existing condition means a disease, illness or injury for which you have received medication, advice or treatment or you have experienced symptoms whether the condition has been diagnosed or not in the five years before your joining date.
Freedom 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 plan will be excluded for the first two years your policy is in force. Cover excluded by the Moratorium may be reinstated later if the medical condition has not recurred for a continuous period of two years since the date it was last treated.
Full medical underwriting (FMU) policies are available upon request. Call 08703 50 40 30 for details or to speak to an advisor.
0800 999 2013
Lines are open 9am to 6pm Monday to Friday
