Freedom Worldwide Non-EEA
For people whose principal country of residence is outside the European Economic Area. It is available as an individual policy, or as an employer’s group scheme for three or more employees. Premiums and benefits are in euros, pounds sterling or US dollars.
Already covered and need treatment? How to make a Freedom Worldwide Non-EEA claim
This page is a summary of the main benefits and the most significant limitations of Freedom Worldwide Non-EEA. The full terms are in the documents below. The cover that applies is confirmed on the certificate of insurance, the document that confirms who is insured and the cover that applies.
Area of cover
Where treatment is covered
Europe
Eligible treatment in the European countries covered by the policy.
Worldwide excluding the USA
Eligible treatment anywhere in the world apart from the USA.
Worldwide
Eligible treatment anywhere in the world, including the USA.
The area of cover is confirmed on the certificate of insurance. Cover also depends on the underwriter being legally permitted to provide private medical insurance where you live.
Level of cover
Five levels, from Bronze to Diamond
Select a level to see its benefits and limits.
Bronze
€/£/$500,000 a yearInpatient and daypatient treatment, with limited cover for general outpatient treatment following an inpatient surgical procedure. Certain outpatient benefits, including MRI, CT and PET scans and outpatient surgery, are covered separately and in full.
- Cancer treatment aimed at a cure
- Covered in full
- MRI, CT and PET scans
- Covered in full
- Outpatient surgery
- Covered in full
- Medical evacuation and repatriation
- Covered in full where an inpatient or daypatient admission is needed
- General outpatient benefit
- Up to 1,000, after an inpatient surgical procedure, for up to 90 days after discharge
- Dental
- Not included
- Routine maternity
- Not included
- Complications of pregnancy
- Not included
- Birth defects
- Not included
- Organ transplant
- Not included
- Psychiatric treatment
- Not included
- Nursing at home
- Not included
- Chronic medical conditions
- Not included
- Terminal illness
- Not included
- Emergency outside your area
- Not included
- Accidental death
- Not included
Silver
€/£/$750,000 a yearAdds an annual outpatient benefit, and lifetime benefits for chronic conditions and terminal illness.
- Cancer treatment aimed at a cure
- Covered in full
- MRI, CT and PET scans
- Covered in full
- Outpatient surgery
- Covered in full
- Medical evacuation and repatriation
- Covered in full
- General outpatient benefit
- Up to 1,500, including 500 each for physiotherapy, complementary treatment and outpatient psychiatric treatment, and 100 for routine health checks
- Dental
- Not included
- Routine maternity
- Not included
- Complications of pregnancy
- Up to 2,500, during pregnancy only. 12-month waiting period
- Birth defects
- Not included
- Organ transplant
- Up to 100,000
- Psychiatric treatment
- In hospital, up to 5,000 for 28 days. 12-month waiting period
- Nursing at home
- Up to 1,500
- Chronic medical conditions
- Up to 20,000, a lifetime limit
- Terminal illness
- Up to 20,000, a lifetime limit
- Emergency outside your area
- Not included
- Accidental death
- Not included
Gold
€/£/$1,000,000 a yearAdds dental and routine maternity benefits and emergency cover outside the area of cover.
- Cancer treatment aimed at a cure
- Covered in full
- MRI, CT and PET scans
- Covered in full
- Outpatient surgery
- Covered in full
- Medical evacuation and repatriation
- Covered in full
- General outpatient benefit
- Up to 2,500, including 500 each for physiotherapy, complementary treatment and outpatient psychiatric treatment, and 200 for routine health checks
- Dental
- Up to 75% of 500
- Routine maternity
- Up to 2,500
- Complications of pregnancy
- Up to 2,500. 12-month waiting period
- Birth defects
- Up to 10,000
- Organ transplant
- Up to 200,000
- Psychiatric treatment
- In hospital, up to 5,000 for 28 days. 12-month waiting period
- Nursing at home
- Up to 1,500
- Chronic medical conditions
- Up to 30,000, a lifetime limit
- Terminal illness
- Up to 30,000, a lifetime limit
- Emergency outside your area
- Up to 30,000, for up to 30 days
- Accidental death
- Up to 100,000
Platinum
€/£/$1,500,000 a yearOutpatient treatment up to 5,000, dental and routine maternity benefits, and emergency cover outside the area of cover.
- Cancer treatment aimed at a cure
- Covered in full
- MRI, CT and PET scans
- Covered in full
- Outpatient surgery
- Covered in full
- Medical evacuation and repatriation
- Covered in full
- General outpatient benefit
- Up to 5,000, including 1,000 each for physiotherapy, complementary treatment and outpatient psychiatric treatment, and 200 for routine health checks
- Dental
- Up to 75% of 1,000
- Routine maternity
- Up to 5,000
- Complications of pregnancy
- Up to 5,000. 12-month waiting period
- Birth defects
- Up to 15,000
- Organ transplant
- Up to 200,000
- Psychiatric treatment
- In hospital, up to 10,000 for 28 days. 12-month waiting period
- Nursing at home
- Up to 2,000
- Chronic medical conditions
- Up to 40,000, a lifetime limit
- Terminal illness
- Up to 40,000, a lifetime limit
- Emergency outside your area
- Up to 40,000, for up to 60 days
- Accidental death
- Up to 100,000
Diamond
€/£/$2,000,000 a yearThe general outpatient benefit is covered in full. Individual limits and waiting periods still apply to some benefits.
- Cancer treatment aimed at a cure
- Covered in full
- MRI, CT and PET scans
- Covered in full
- Outpatient surgery
- Covered in full
- Medical evacuation and repatriation
- Covered in full
- General outpatient benefit
- Covered in full, with 2,000 for outpatient psychiatric treatment and 300 for routine health checks
- Dental
- Up to 75% of 3,000
- Routine maternity
- Up to 7,500
- Complications of pregnancy
- Up to 10,000. 12-month waiting period
- Birth defects
- Up to 20,000
- Organ transplant
- Up to 300,000
- Psychiatric treatment
- In hospital, covered in full for 28 days. 12-month waiting period
- Nursing at home
- Up to 3,500
- Chronic medical conditions
- Up to 50,000, a lifetime limit
- Terminal illness
- Up to 50,000, a lifetime limit
- Emergency outside your area
- Up to 50,000
- Accidental death
- Up to 100,000
- Chronic conditions. A chronic condition is one that needs long-term monitoring or control of symptoms, or continues indefinitely. An acute episode, where a condition becomes unstable, is covered under the usual benefits. Treatment that maintains or monitors a chronic condition, or relieves its symptoms, has its own lifetime limit. Bronze has no cover for this.
- Cancer. Treatment aimed at a cure is covered in full at every level, including Bronze. After that, cover moves to the chronic conditions benefit, or to the terminal illness benefit where the cancer is terminal. Both have lifetime limits, and Bronze has neither.
- Terminal illness. Palliative care, which relieves symptoms rather than aiming to cure, and end-of-life care are covered up to a lifetime limit. Bronze has no cover for this.
Excess and payment
The excess, the currency and how you pay
These details are for individual policies. For a group scheme, the premium, any excess and how the scheme is paid for are agreed when it is arranged.
A voluntary excess
50 to 5,000
The amount you are responsible for before we make a payment, for each insured person in each policy year, in the currency of the policy. It is optional and can reduce the premium.
The currency
Euros, pounds or US dollars
The policy is in the currency you pay in, and so are its benefits and limits.
How you pay
Yearly, quarterly or monthly
Monthly by credit card or Direct Debit, quarterly by credit card, and yearly by credit card, cheque, Direct Debit or annual debit. Direct Debit needs a UK bank account and a sterling policy.
Eligibility
Who can be covered
Individual policies
- Adults aged 18 to 70 at the start of the policy.
- Children from birth. A child is removed at the renewal date once they are 24.
- You can include an eligible partner, eligible children, or both.
Group schemes
- Adults aged 18 to 70 at the start of the policy.
- A child is removed at the renewal date once they are 30.
Conditions that apply to everyone covered
- Everyone covered must have a principal country of residence outside the EEA. This is the country where they live for more than six months of the year. They must tell us if it changes.
- Available only where the underwriter is legally permitted to provide private medical insurance. Not available to citizens of the USA living in the USA, or to people subject to exchange controls. Not available where buying the policy is illegal under local law.
- It is the policyholder’s responsibility to check that the cover is legally appropriate where they live, including any local compulsory health insurance rules.
- A policy with worldwide cover will be cancelled if an insured US citizen spends more than 180 continuous days in the USA.
- Some occupations are not eligible for Freedom Worldwide Non-EEA. All applications are subject to our current acceptance criteria.
Important to know
What is not covered
Pre-existing conditions are not covered as standard. How they are assessed depends on the underwriting method.
How this is decided
How pre-existing conditions are assessed
A pre-existing condition is one you had symptoms of, or medication, advice or treatment for, in the two years before cover started. These are generally not covered unless we agree otherwise. Underwriting is how we decide which medical conditions a policy will and will not cover when it starts. The method that applies is shown on the certificate of insurance, along with any exclusion we have applied.
Full medical underwriting
You answer questions about your health when you apply, for everyone to be covered under the policy. We review the answers, and may ask your medical practitioner for more information, before deciding what cover we can offer. Pre-existing conditions that may need treatment in the future, and any related conditions, are usually excluded. Any exclusion is shown on the certificate of insurance. It is essential that the information you give is complete and accurate, including symptoms that have not been diagnosed. Otherwise a claim may not be paid, or the policy may be cancelled.
Moratorium underwriting
You do not answer health questions when you apply. Any condition, or related condition, that you had symptoms of, or advice, treatment or medication for, in the two years before cover started is excluded. It may be considered for cover once you have completed a continuous two-year period after the policy starts. During that period you must have no symptoms, advice, treatment, medication or special diet for it.
Moving from another insurer
If you already have private medical insurance and want to transfer, we may be able to offer terms that take account of your existing cover. Your broker or adviser can tell you more.
Group schemes
Eligible group schemes may be offered medical history disregarded, where we do not apply personal medical exclusions for pre-existing conditions. Whether it applies is agreed when the scheme is arranged.
Summary of the key exclusions
This is not a full list of exclusions. Some exclusions have exceptions or depend on the level of cover. The full list is in chapter 8 of the policy document. See the policy documents, including the policy document
- Alcohol, drug or substance abuse or dependency, and conditions arising from it
- Cosmetic or plastic surgery, apart from some reconstructive surgery
- Eating disorders
- Experimental or unproven treatment
- HIV/AIDS/related conditions
- Investigations into and treatment of obesity
- Optical and hearing aids, and natural degenerative sight and hearing defects
- Placing yourself in needless danger
- Pre-existing conditions, as above
- Preventive treatment or procedures
- Professional sports injuries
- Self-inflicted conditions or any injury incurred from attempted suicide
- Sexual dysfunction, sterilisation and contraception
- Sleep apnoea, snoring, sleep disorders and sleep-related breathing disorders
- Treatment outside your area of cover, unless in an emergency or authorised by us
- Treatment without a referral from a medical practitioner
Good to know
Freedom Worldwide Non-EEA FAQs
No. You do not need to be a British citizen or live in the United Kingdom. What matters is that your principal country of residence is outside the EEA. The underwriter must also be legally permitted to provide private medical insurance there.
Yes, as a group scheme for three or more employees whose principal country of residence is outside the EEA. Group schemes are arranged through a broker or adviser.
Treatment aimed at curing cancer is covered in full at every level, including Bronze. Cover works differently once treatment is no longer aimed at a cure:
- Treatment that maintains or monitors a chronic condition, or relieves its symptoms, has its own lifetime limit, which depends on the level.
- Palliative and end-of-life care have a separate lifetime limit, which also depends on the level.
- Bronze has no cover under either benefit.
The limits for each level are shown above and in the table of benefits.
Yes, as soon as possible. The policy is only available where the underwriter is legally permitted to provide private medical insurance. A move can affect whether cover can continue, your terms or your premium.
For an individual policy: the area of cover, the level of cover, who is covered, the currency, any voluntary excess and the underwriting terms. Premiums are normally reviewed each year and may be affected by factors including age, claims experience, medical costs and general inflation.
For a group scheme, the premium is agreed when the scheme is arranged.
Contact us before any inpatient or daypatient treatment, or medical evacuation, so that it can be pre-authorised. For outpatient treatment, you pay the hospital or clinic and claim the eligible costs back. Claims must be sent to us within six months, or we may not accept them.
How to make a claim sets out what happens next.
Next step
Arranging Freedom Worldwide Non-EEA
Freedom Worldwide Non-EEA is arranged through a broker or adviser, for individual policies and group schemes. Provided they have a Terms of Business Agreement in place with Freedom Health Insurance, they can request a quotation from us on your behalf.
If you want help understanding this page
If anything here is unclear, contact us. Call +44 (0)1202 756 350 or email intclaims@fhi.co.uk.
Calls may be recorded and monitored for training and quality purposes.