Freedom Health Insurance

Established in 2003, Freedom Health Insurance acts as a Managing agent for "Chaucer Insurance Company DAC" (Chaucer), based in Dublin, Ireland. Outside of Europe Freedom uses its own captive called "Anahita" .

Chaucer is authorized and regulated by the Central Bank of Ireland and is a member of the Financial Services Compensation Scheme (FSCS).

As a smaller business, they offer a personal claims service and their policyholders, who will often speak to the same claims handler throughout their claim journey.

Freedom was awarded Best Customer Service by a Provider at the Health Insurance Awards in 2015 and was shortlisted in 2016, 2017 and 2018.

Freedom was also shortlisted at the 2019 Health Insurance Awards for the best individual PMI provider and best SME PMI provider.

The company is very particular about the risks it accepts, because it believes in sustainable and therefore more predictable pricing, which helps your clients with their budgeting.

Whilst you can expect to see inflationary increases, single high cost claims are not considered by Freedom when setting renewal premiums as they are removed from their calculations when they calculate what renewal terms they require.

Freedom will only ever apply additional claims loadings IF the claims performance is consistently poor over a period of 2 to 3 years.

Freedom is one of the few insurance organizations in the UK to offer private GP services, cover for some chronic conditions and other executive benefits often not available elsewhere.

With Freedom Your Choice medical insurance - you choose how to use your money and where and how you would like to use your policy.

You pay for your health cover – you decide how to use it. Even though you have private medical insurance, you don’t have to use it for private treatment.

  • If you want to use the UK's NHS you will be entitled to a cash lump sum that you can use however you like.
  • If you choose private healthcare, there are no hospital lists or restrictions on how or where you can use your policy. Any difference between how much your treatment costs and your policy allowance is paid back to you.

You can get treated anywhere, worldwide. Freedom Your Choice health insurance gives you the opportunity to choose the world's healthcare centres that meet your health needs.

You could get treated in a:

  • NHS hospitals – You get a cash lump sum to spend as you wish.
  • Private centre:
    • UK – You are a cash buyer so you can shop around or we can find you a consultant & hospital that suits your location and budget. You can pocket any saving or top up as required.
    • Private centre abroad – You can be treated anywhere abroad that you like. Again, you pocket any savings you make.

With the Freedom Choice health cover you can choose to get treated at a time that is most convenient to you.

product2 detailsFreedom Health is UK based and all policy administration and claims handling are managed from their offices in Poole.

Freedom has 3 products;

  • Elite plan
  • Worldwide (their international plan) and
  • Essentials plan.

Freedom's 'Elite' medical plan is designed to meet the cost of elective, short-term medical treatment provided by a
specialist that you need because you are suffering from an unexpected acute condition that first arises during a period of insurance. The Elite plan routinely does not cover pre-existing conditions or chronic conditions. However, if you have been previously underwritten and are currently covered by a UK based, FCA authorised insurer, Freedom will offer to accept you according to the original underwriting of your plan.

So for example, if you were underwritten with a 20% loading for a back condition, then Freedom will consider to accept you on the same terms. This means of underwriting is called 'Continuation of Previous Medical Underwriting' or 'CPME' terms.

All Freedom Elite policies must include the core cover as standard. This covers inpatient and daypatient treatment, certain pregnancy complications and dental surgical procedures, MRI, CT and PET scans, home nursing, private ambulance and NHS cash benefit. The core cover also includes full cancer cover.

For cover to be issued it is required that you be registered with a GP.

See summary of benefits and exclusions below. More precise information is provided in the policy document.

If you would like to know more about this policy and receive an obligation free quote, please contact Robin Brown on +852 2530 2539 (robin.brown@navigator-insurance.com)

The Worldwide plan offers 5 levels of protection.. as per benefit table below.


The Essentials plan works slightly differently to a traditional Interntational Medical plan.

Out-patient treatment (consultations and diagnostics, MRI, CT and PET scans) is all settled on a direct settlement basis with the treatment provider, whilst all other benefits are on a fixed cash benefit.

Your have the option to seek treatment privately, via the NHS or even abroad. The cancer cover on this policy is very limited, the only benefit is a fixed cash amount for surgery as part of your cancer treatment, and a fixed amount per session of radio/chemotherapy.

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Freedom's Elite product is designed to provide cover for treatment received in the UK only.

The product comes with optional extras of full outpatient , dental and optical and cover and aan option of a £1500 limit per person per period of cover for alternative therapies.

There is also the option to add cover for certain selectt London hospitals. If you need access to these hospitals, it will increase the premium by approximately 25%.

In considering whether the Freedom Elite is suitable to you, you need understand that first and foremost, the Elite is a UK policy and its intent is to provide cover for people who reside in the UK and who wish to provide themselves with an alternative to the NHS.

There is no cover for treatment received outside of the UK.

Before the benefits provided under the policy can be accessed, the insured person must first be seen by their local GP and only if they are referred by their GP to a specialist for further investigation or treatment, will the policy benefits come into force.

That said, an insured person can also be referred by a private GP which would activate the benefits under the policy in the same way.

NO COVER FOR PRE-EXISTING CONDITIONS

The Elite plan does not cover pre-existing conditions which should be declared on the full medical underwriting application form and conditions may be excluded from cover. It should also be noted that if a claim needs to be investigated to determine its eligibility it might be necessary for Freedom to obtain medical information from your doctors outside the UK.

ANNUAL CONTRACT

The Freedom Elite is an annual contract so premiums must be paid in full . If there is any break in cover, the policy will have to be set up for a further 12 months and conditions that pre-exist that date will also be excluded.

SEAMLESS TRANSFER

IF you are currently insured on Freedom's Wolrdwide plan, you can trandsfer back to the UK based 'Elite' without being re-underwritten.

SUMMARY OF BENEFITS AND EXCLUSIONS

Contact Ms Romi Gill - romi.gill@navigator-insurance.com or Robin Brown robin.brown@navigator-insurance.com Tel +852 2530 2530 for more details

Unlike the UK based Essential and Elite, the Worldwide offers a choice of Chronic cover: See section K

A common enquiry is concerning cover for Diabetes, diagnosed after the policy commencement.

Within the limits of the selected plan, alll medication to control diabetes such as insulin therapy or oral tablets will be covered under chronic benefit.

HOWEVER, Freedom do not pay for glucometer and their testing strips (home testing kit).

Note: The Chronic condition benefit limit is a lifetime benefit as long as policy is active. The limits don’t get reinstated after policy renewal.

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++The Worldwide plan offers 5 levels of protection.. as per benefit table below.


NOTE: The highest lifetime limit is under the Diamond level of cover at USD/GBP / EUR50,000 followed by Platinum, Gold, Silver and Bronze where there is no cover at all. Please note these limits are also applied to the cancer benefit for treatment aimed at maintaining, monitoring and providing relief of symptoms.

The Essentials plan works slightly differently to a traditional Interntational Medical plan.

Out-patient treatment (consultations and diagnostics, MRI, CT and PET scans) is all settled on a direct settlement basis with the treatment provider, whilst all other benefits are on a fixed cash benefit.

Your have the option to seek treatment privately, via the NHS or even abroad. The cancer cover on this policy is very limited, the only benefit is a fixed cash amount for surgery as part of your cancer treatment, and a fixed amount per session of radio/chemotherapy.

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