Group private medical insurancefor your employees
Cover in the UK and overseas, arranged through your intermediary.
Why employers choose us
Since 2003, we have specialised in private medical insurance, including cover for group schemes.
Our group products take different approaches to private medical insurance for employees in the UK and overseas. Explore the relevant product below for details of the cover available.
Group schemes are arranged through an intermediary. We work alongside yours rather than taking their place.
Freedom Elite group schemes, and Freedom Worldwide UK schemes where treatment takes place in the UK, can access Freedom 360, our health and wellbeing toolkit.
Our group products
We offer two products for group schemes: Freedom Elite and Freedom Worldwide.
Freedom Elite
Private medical insurance for employees who live in the UK, with core cover and a range of optional benefits.
Freedom Worldwide
International private medical insurance for employees in the UK and overseas.
Freedom Health Insurance cannot arrange schemes where the workforce is primarily resident in the EEA. For mixed-residency workforces, your intermediary can discuss the options with us.
Each product has its own eligibility criteria, underwriting rules, benefits, limits and exclusions. Visit the relevant product page for more information. The full terms and conditions are set out in the policy documents, which you can find in our documents library.
How to set up a group scheme
Speak to your intermediary
Group schemes are arranged through an intermediary. Provided they have a Terms of Business Agreement in place with Freedom Health Insurance, they can request a quotation from us on your behalf.
Scheme terms are confirmed
The underwriting basis and scheme terms are confirmed as part of the quotation process.
Your scheme can begin
Once the required documentation is complete, the terms are agreed and the premium has been paid, the scheme can begin.
Freedom 360, our health and wellbeing toolkit
Freedom 360 services are delivered in the UK. They are available with Freedom Elite group schemes, and with Freedom Worldwide UK schemes where treatment takes place in the UK. They are not available with Freedom Worldwide Non-EEA.
Freedom Partners
Freedom Dermatology, Freedom Physiotherapy and Freedom Diagnostics require the relevant outpatient cover on some products. Availability is subject to the scheme terms and service eligibility.
Recognised for service and claims
Recent recognition from across the UK health insurance and protection industry.
Outstanding Claims Management Team
COVER Customer Care Awards 2026
Corporate Healthcare
Corporate Adviser Provider Service Ratings 2026
Woman of the Year, Claims
COVER Women in Protection and Health Awards 2026
Maggie Glasspool
Woman of the Year, Customer Service
COVER Women in Protection and Health Awards 2025
Lynne Heath
Arranging cover for your group
Group schemes are arranged through an intermediary. Provided they have a Terms of Business Agreement in place with Freedom Health Insurance, they can request a quotation from us on your behalf.
Your questions answered
Group health insurance is private medical insurance arranged by an employer for its employees. Depending on the product and the cover selected, it can provide access to eligible private consultations, diagnostic tests and scans, and hospital treatment.
We offer two products for group schemes: Freedom Elite and Freedom Worldwide. The appropriate product depends on the needs of your scheme, and your intermediary can talk you through the options. Each product page explains what that product covers.
Group schemes are arranged through an intermediary. Provided they have a Terms of Business Agreement in place with Freedom Health Insurance, they can request a quotation from us on your behalf.
Freedom 360 services are delivered in the UK. They are available with Freedom Elite group schemes, and with Freedom Worldwide UK schemes where treatment takes place in the UK. They are not available with Freedom Worldwide Non-EEA. Availability is subject to the scheme terms and service eligibility.
Each product page sets out what that product covers, who is eligible and how underwriting works. The policy documents contain the full terms, conditions and exclusions. Your intermediary can also go through the details with you.