Freedom Worldwide UK
For people whose principal country of residence is the United Kingdom, through an individual policy or an employer’s group scheme for three or more employees. It covers eligible treatment in the UK and overseas, within the area of cover on the policy.
Already covered and need treatment? How to make a Freedom Worldwide UK claim
This page is a summary of the main benefits and the most significant limitations of Freedom Worldwide UK. 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
The countries listed as Europe in the list of countries covered, including the United Kingdom.
Worldwide excluding the USA
Every country in the list, apart from the USA.
Worldwide
Every country in the list.
The area of cover sets where treatment is covered. Your principal country of residence must still be the United Kingdom.
See the full list of countries covered (PDF)
The Private Healthcare Information Network
You can find independent information about the quality and the cost of private treatment available from doctors and hospitals from the Private Healthcare Information Network. This information covers private treatment in the United Kingdom.
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 a hospital stay. Certain outpatient benefits, including MRI, CT and PET scans and outpatient surgery, are covered separately and in full.
- MRI, CT and PET scans
- Covered in full
- Outpatient surgery
- Covered in full
- Routine health checks
- Up to £50. A 12-month waiting period applies.
- Medical evacuation and repatriation
- Covered in full
- General outpatient benefit
- Up to £1,000 for treatment after an inpatient stay, for up to 90 days after discharge.
- Dental
- Not included
- Routine maternity
- Not included
- Complications of pregnancy
- Not included
- Organ transplant
- Not included
- Psychiatric treatment
- Not included
- Nursing at home
- Not included
- Hospice care
- Not included
- Emergency outside your area
- Not included
Silver
£750,000 a yearInpatient and daypatient cover, with an annual limit for outpatient treatment.
- MRI, CT and PET scans
- Covered in full
- Outpatient surgery
- Covered in full
- Routine health checks
- Up to £100. A 12-month waiting period applies.
- Medical evacuation and repatriation
- Covered in full
- General outpatient benefit
- Up to £2,500
- Dental
- Not included
- Routine maternity
- Not included
- Complications of pregnancy
- Up to £2,500
- Organ transplant
- Up to £100,000
- Psychiatric treatment
- Up to 15 nights in hospital, and up to 5 outpatient visits. A 12-month waiting period applies.
- Nursing at home
- Up to 3 weeks
- Hospice care
- Up to 14 nights
- Emergency outside your area
- Not included
Gold
£1,000,000 a yearAdds dental and routine maternity benefits and emergency cover outside the area of cover, with outpatient treatment up to £5,000.
- MRI, CT and PET scans
- Covered in full
- Outpatient surgery
- Covered in full
- Routine health checks
- Up to £200. A 12-month waiting period applies.
- Medical evacuation and repatriation
- Covered in full
- General outpatient benefit
- Up to £5,000
- Dental
- Up to £750, with a 10% co-payment. Waiting periods apply, and the period depends on the benefit.
- Routine maternity
- Up to £2,500. A 10-month waiting period applies.
- Complications of pregnancy
- Up to £10,000
- Organ transplant
- Up to £200,000
- Psychiatric treatment
- Up to 15 nights in hospital, and up to 10 outpatient visits. A 12-month waiting period applies.
- Nursing at home
- Up to 12 weeks
- Hospice care
- Up to 14 nights
- Emergency outside your area
- Up to £30,000, for up to 30 days
Platinum
£1,500,000 a yearOutpatient treatment up to £10,000, dental up to £1,000, routine maternity up to £7,500, and emergency cover outside the area of cover.
- MRI, CT and PET scans
- Covered in full
- Outpatient surgery
- Covered in full
- Routine health checks
- Up to £500. A 12-month waiting period applies.
- Medical evacuation and repatriation
- Covered in full
- General outpatient benefit
- Up to £10,000
- Dental
- Up to £1,000, with a 10% co-payment. Waiting periods apply, and the period depends on the benefit.
- Routine maternity
- Up to £7,500. A 10-month waiting period applies.
- Complications of pregnancy
- Up to £15,000
- Organ transplant
- Up to £250,000
- Psychiatric treatment
- Up to 30 nights in hospital, and up to 15 outpatient visits. A 12-month waiting period applies.
- Nursing at home
- Up to 26 weeks
- Hospice care
- Up to 14 nights
- Emergency outside your area
- Up to £40,000, for up to 60 days
Diamond
£2,000,000 a yearThe general outpatient benefit is covered in full. Individual limits and waiting periods still apply to some outpatient benefits.
- MRI, CT and PET scans
- Covered in full
- Outpatient surgery
- Covered in full
- Routine health checks
- Up to £1,000. A 12-month waiting period applies.
- Medical evacuation and repatriation
- Covered in full
- General outpatient benefit
- Covered in full
- Dental
- Up to £1,500, with a 10% co-payment. Waiting periods apply, and the period depends on the benefit.
- Routine maternity
- Up to £10,000. A 10-month waiting period applies.
- Complications of pregnancy
- Covered in full
- Organ transplant
- Up to £300,000
- Psychiatric treatment
- Up to 30 nights in hospital, and up to 30 outpatient visits. A 12-month waiting period applies.
- Nursing at home
- Up to 26 weeks
- Hospice care
- Up to 14 nights
- Emergency outside your area
- Up to £50,000
Freedom 360
Our health and wellbeing toolkit. The services are delivered in the United Kingdom and are available provided you are receiving treatment in the UK. They are not available overseas. Freedom Dermatology, Freedom Physiotherapy and Freedom Diagnostics also require the relevant outpatient cover. Whether they can be used depends on the outpatient benefit for your level of cover. These services may be subject to the policy excess, benefit limits and other policy terms.
See what Freedom 360 includes- Freedom Digital GP
- Freedom Dermatology
- Freedom Cancer Care
- Freedom Physiotherapy
- Freedom Diagnostics
- Freedom WellnessGroup schemes only
Subject to the conditions above, group schemes have access to all six services and individual policies to five: Freedom Wellness is available to group schemes only.
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 period of insurance. It is optional and can reduce the premium.
The currency
Pounds sterling
Premiums are paid in pounds sterling, and so are benefits.
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.
Eligibility
Who can be covered
Individual policies
- Adults aged 18 to 70 at the start of the policy.
- Children from birth, and up to age 20 at the start of the policy. 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 the United Kingdom as their principal country of residence. This is the country where they live for more than six months of the year. They must tell us if it changes, as it can affect eligibility.
- Not available to people subject to exchange controls, or where buying the policy is illegal under local law.
- Some occupations are not eligible for Freedom Worldwide UK. 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
- Experimental or unproven treatment
- Investigations into and treatment of obesity
- 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
- 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 UK FAQs
No. What matters is your principal country of residence, which must be the United Kingdom.
Yes, as a group scheme for three or more employees whose principal country of residence is the United Kingdom. Group schemes are arranged through a broker or adviser.
No. It is an annual contract, taken out for 12 months. There is no minimum time you need to spend abroad.
Yes. You must tell us as soon as possible if your country of residence or your address changes. Your principal country of residence must be the United Kingdom, so a move can affect your eligibility, your policy terms or your premium.
For an individual policy: the area of cover, the level of cover, who is covered, 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.
How to make a claim sets out what happens next.
Next step
Arranging Freedom Worldwide UK
Freedom Worldwide UK 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 info@fhi.co.uk.
Freedom Worldwide UK is underwritten by HDI Global Specialty SE, HCC International Insurance Company plc trading as Tokio Marine HCC, and Starr International (Europe) Limited. The underwriter for your policy is named on your certificate of insurance.
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