Our cancer promise.
A cancer diagnosis can affect you and those close to you. Every Freedom Elite policy includes comprehensive cancer cover as part of its core cover, subject to the policy terms.
Need to talk?
Freedom Elite members can contact our Cancer Care Team before arranging any treatment.
01202 283 592cct@fhi.co.uk
Cancer cover with Freedom Elite
Our cancer care promise.
Cancer Research UK estimates that nearly 1 in 2 people in the UK will be diagnosed with cancer in their lifetime (Cancer Research UK, lifetime risk, last reviewed November 2023).
Around half of people diagnosed with cancer in the UK now survive for 10 years or more (Cancer Research UK, cancer survival statistics), and diagnosis and treatment continue to improve.
Every Freedom Elite policy includes comprehensive cancer cover as standard, covering eligible diagnosis and treatment costs, subject to the policy terms. We also do not apply the chronic conditions exclusion to cancer treatment claims.
Good to know
What we will cover
Freedom Elite cancer cover
As standard, Freedom Elite covers the cost of active cancer treatment intended to shrink the cancer, stabilise it or slow its spread, subject to the policy terms and conditions.
Diagnosis and monitoring
- Specialist consultationsConsultations with cancer specialists to plan and monitor your treatment.
- Cancer diagnosisInvestigation and diagnosis of initial symptoms, if your policy has outpatient cover. MRI, CT and PET scans recommended by your specialist are covered in full, even with limited or no outpatient cover.
- Genetic testingOne genetic test of the cancer tissue, to help your oncologist decide whether chemotherapy is appropriate.
- Ongoing monitoringFollow-up consultations and tests to check for recurrence, for as long as your cover with us continues without a break.
Active treatment
- SurgerySurgery to remove a cancer tumour, including hospital and specialist fees, covered in full.
- Chemotherapy and radiotherapyCovered in full, including chemotherapy in hospital or by intravenous drip at home.
- Targeted therapiesUsed during active treatment to stimulate the immune system, block the growth of cancer cells or manage side effects.
- Hormonal therapiesGiven with chemotherapy as part of active treatment, or to shrink a tumour before surgery or radiotherapy.
- Side effectsTreatment recommended by your specialist to help manage the side effects of chemotherapy and radiotherapy.
- Bone strengthening drugsBisphosphonates given with chemotherapy as part of active treatment for cancer that has spread to the bone.
- Stem cell and bone marrow transplantsOne complete procedure per lifetime for each person covered by a Freedom Health Insurance policy.
- Advanced cancerActive treatment for primary cancer and for cancer that has come back or spread.
After treatment
- Reconstructive surgeryOne reconstructive surgery to restore function or appearance, within five years of the original surgery.
- Post-surgery servicesWhere your oncologist recommends it, one consultation each with a dietician, a stoma nurse and a lymphoedema nurse, and up to £250 towards a wig, once per lifetime.
- Palliative careCare to relieve pain and other symptoms of end-stage or terminal cancer when active cancer treatment is no longer effective, covered in full.
Full cover details
Our Cancer Cover Explained leaflet forms part of the Freedom Elite policy wording.
Cancer Cover Explained (PDF) (opens in a new tab)What we will not cover
Clear about the limits
The treatments and medicines that are not covered include:
- Experimental or unproven treatmentTreatment that is not based on established clinical practice.
- Unlicensed drugsDrugs that are unlicensed, or used outside the terms of their licence.
- Preventative treatmentTreatment or screening where there are no symptoms, even with a family history of cancer.
- Take-home drugsMedication taken home after treatment, or usually prescribed by a GP.
Before any treatment
Why cancer cover matters
Support when you need it most.
Cover for eligible costs
Cover for eligible cancer care costs following diagnosis, subject to the policy terms.
A dedicated personal service
You will usually deal with the same person throughout your claim, from diagnosis through to post-surgery care.
Additional support through Freedom Cancer Care
Members with an eligible cancer claim can receive up to six hours of one-to-one guidance from a dedicated cancer nurse specialist and support manager, provided by Reframe Cancer.
Find out about Freedom Cancer CareWhere to start
We are here to help.
Thinking about cover
Explore Freedom Elite
Freedom Elite includes cancer cover as standard. Find out more about the policy, including its benefits, exclusions and available cover options. If you need advice about choosing health insurance, please speak to an independent insurance intermediary.
Already a Freedom Elite member
Contact our Cancer Care Team
If you have been diagnosed with cancer, or are waiting for test results, contact our Cancer Care Team before arranging any treatment. They will confirm your cover and guide you through each stage. Call 01202 283 592 or email cct@fhi.co.uk.
Cancer cover FAQs
Frequently asked questions
Yes. Having Freedom Elite does not affect your right to NHS treatment. Where eligible cancer treatment is provided by the NHS, you may be entitled to an NHS cash benefit under your Freedom Elite policy. Our Cancer Care Team can explain the benefit available and discuss your individual circumstances.
Having a family history of cancer does not, by itself, mean cancer treatment is excluded under Freedom Elite. However, the policy does not cover routine cancer screening or preventative treatment where there are no symptoms, even if there is a family history of cancer. Cover for any cancer diagnosis or treatment remains subject to the policy terms and underwriting conditions.
Freedom Elite cancer cover is not restricted to particular types of cancer. However, the treatment proposed must meet the policy's requirements, including the rules relating to active cancer treatment, established clinical practice and licensed drugs.
If you are a Freedom Elite member, contact our Cancer Care Team on 01202 283 592 or at cct@fhi.co.uk before arranging any treatment. The team will confirm your cover and stay in touch as your treatment progresses.
Next steps
Find out more about Freedom Elite
Explore Freedom Elite's core cover and optional benefits. If you have a question about how cancer cover works, contact our team. For advice about choosing health insurance, speak to an independent insurance intermediary.
The cancer cover described on this page applies to Freedom Elite policies. It does not describe Freedom Essentials or Freedom Worldwide cover. All cover is subject to the policy terms, conditions, limits and exclusions, including our Cancer Cover Explained leaflet. Please contact us before arranging any treatment. Statistics are from Cancer Research UK, accessed September 2026.