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What is private medical insurance?

Private medical insurance (PMI) is designed to cover the price of private medical treatment for illness and acute conditions that arise afterward the start of the policy. An acute condition is a affliction, illness or injury that is likely to respond speedily to medical treatment which aims to return you to the state of health you were in immediately earlier suffering whatever symptoms, or which leads to your total recovery.

Having a private medical insurance policy gives you access to private medical facilities and treatment at a time and location that suits your schedule, giving you confidence that you'll take the medical back up and financial protection when you lot need it the most.

Find out more nearly how individual wellness insurance works.

Types of private medical insurance

Depending on your situation and budget, there are several types of private health insurance plans you can choose from with unlike benefits:

• Personal health insurance plans – these are designed to embrace your and your family's health, and they usually pay the hospital and consultant direct for your private medical treatment. The level of cover can vary from basic to extremely comprehensive. Observe out more nearly Freedom Elite.
• Business organization health insurance – this blazon of health encompass is provided by a company to their employees, ofttimes equally a taxable do good. Large company schemes accept the advantage of spreading the run a risk over a number of people and tin often do good from competitive premiums as a result. With new Freedom Wellness Insurance group policies, if you happen to become a cheaper business health insurance quote elsewhere for similar benefits, we will exercise our best to match information technology or even beat information technology. Find out more about company health insurance.
• International health insurance – the health insurance policy for people working and living abroad. These health plans more often than not provide a comprehensive level of cover and usually include a few extra benefits compared to the United kingdom of great britain and northern ireland plans. Some may offer a repatriation do good, cover for astute episodes of chronic conditions or cover when outside your country of residence.  Discover out more about Freedom Worldwide.
• Self-pay wellness insurance – an alternative to the traditional health insurance policy, this health cover is designed for toll-conscious individuals and families. With this type of plan, you receive a stock-still sum of cash which you can utilize to get treated in any hospital in the UK or abroad as a self-pay patient (paying for handling yourself). Find out more nearly Freedom Essentials.

Why Choose Freedom Health Insurance

2-year Fixed Premium

Select this option for any UK individual medical insurance plan and your premium won't increase in the second year even if claims are made. Ts&Cs utilise†.

Personal Service

With dedicated personal service and an like shooting fish in a barrel claims process, our clients have been trusting us as reliable wellness insurers since 2003 with their private medical insurance plans.

Fast Turnaround

It doesn't ordinarily take more than 2 working days (or 5 for visitor policies) from your initial quote to setting upward your private medical insurance policy.

Quickly start your health insurance application

Apply for private medical insurance at present and we will go dorsum to you with a free, no-obligation wellness insurance quote for the embrace that best suits your needs.

What Our Customers Say Nearly Our Individual Wellness Insurance

How private health insurance works

With most wellness insurance policies, y'all choose the health benefits you want and pay your premium monthly or annually.

Then, if you fall ill, y'all should meet your GP who may refer y'all for farther tests or diagnosis to a specialist.

This is the moment when you demand to go far touch with your individual medical insurance provider if you want to get private treatment under your individual medical insurance plan.

With Freedom Wellness Insurance you get a hassle-free claims process, with no claim forms to consummate and with a personalised service to support you lot all the manner. You usually bargain with the same friendly adviser throughout your claim process, making your experience as smooth as possible.

Find out how much health insurance could cost.

What our individual medical insurance covers

A individual medical insurance policy, depending on the options called, could cover you for:

• Inpatient and day-patient treatment – medical handling carried out while yous are in hospital. This may have an annual limit or exist covered in full and volition usually include comprehend for specialist and hospital fees, diagnostic tests while in hospital and fifty-fifty an NHS greenbacks benefit (paid when using an NHS hospital instead of a private facility).
• Outpatient handling – includes specialist consultations and diagnostic tests when you are not admitted in a infirmary.
• Cancer treatment which commonly includes surgery for the removal of cancerous tumorous, radiotherapy and chemotherapy. Observe out more .
• Mental health care – treatment of acute mental or psychiatric disease.
• Alternative therapies – this refers to treatment carried out past specialists such as an osteopath, chiropractor, acupuncturist, homeopath or podiatrist.

It can be difficult to know what to look for when buying wellness insurance. That's why it's important to compare unlike health insurance policies by getting quotes from different providers for different levels of comprehend so you find the well-nigh suitable protection. This will help you compare the costs against the benefits so you can make an informed decision on which private medical insurance cover will be best for your individual needs.

Other private medical insurance options

Apart from the health benefits y'all tin can select for a private medical insurance plan, there are a few other things to consider when looking at different insurance products.

No claims disbelieve

Similarly to machine insurance, some private health insurance providers may offer an important discount, ordinarily at the start of the policy, to encourage customers to take out their embrace. How the 'no claims discount' impacts your premium is ofttimes not articulate and you may only discover the truthful premium when you have made a merits and your costs go up significantly.

This type of policy may discourage the insured person from claiming, making the whole indicate of having the comprehend questionable. You never know when you may need handling and the time following a serious illness is not the best time to exist facing escalating wellness insurance costs.

At Freedom Health Insurance, we believe in sustainable and therefore more than predictable pricing which can assistance with your personal budgeting. Considering of this, we operate a community rated premium which means that nosotros don't usually increase your renewal premium equally a result of you making a merits.

Policy excess

Adding an excess to your private medical insurance policy is a good manner of keeping costs down. An excess is the sum of coin you concord to pay towards any claims. The college the excess corporeality yous agree to, the lower your premiums will exist.

Some health insurance providers ask y'all to pay the backlog towards each claim, while others, like Freedom Health Insurance, ask you to pay it only once per person per insurance menstruation, regardless of the number of claims you make.

Payment period

Most private medical insurance policies permit you to pay monthly or annually with annual payments ofttimes coming with a discount. Freedom Health Insurance offers a 6% discount when paying annually, helping you to reduce the overall cost of your programme.

Infirmary lists

Depending on the wellness insurance plan y'all want, you may take to choose a hospital listing which contains all the private hospitals you can access as part of your cover. These may include NHS individual wings or wards, contained private hospitals and private infirmary networks.

Y'all should be aware though, that if your chosen consultant does not practice at the hospital on your list, you probably won't be able to use them. Whilst many consultants piece of work in the NHS, not as many care for their private patients in NHS private beds.

With Freedom Elite, you have a skillful range of hospitals included in our standard hospital listing, with only a few of the very expensive facilities in cardinal London and elsewhere listed separately as an option. Our Liberty Essentials policy is a bit different as information technology pays you a fixed cash benefit for medical treatment which allows you to use any infirmary in the United kingdom of great britain and northern ireland or away for your treatment.

Switching to Freedom

If y'all accept a health program in place but you are non happy with your cover or maybe you are looking for a better price, contact us. Yous may be able to transfer to Liberty on the same terms as your current policy.

Contact usa

Start a new quote

Getting a wellness insurance quote from Freedom Health Insurance is quick and simple. Compare our products, personalise your cover and buy online in just a few minutes.

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Private medical insurance FAQs

What is private medical insurance?

Individual medical insurance is a type of insurance policy which is designed to comprehend the costs of private healthcare for astute conditions from diagnosis to treatment. Essentially, individual medical insurance gives policyholders easy access to medical treatments and facilities.

Here at Liberty Wellness Insurance, you lot can choose whether you lot would like to pay for private medical insurance on a monthly or annual basis.

How practice I become private medical insurance?

Here at Freedom Wellness Insurance we've made getting individual medical insurance piece of cake. All you lot need to do is fill out an online quote form with your personal details, who yous want your policy to embrace and your health encompass choices. We'll then send you a quote for the health insurance policy that best suits your needs and you can continue to complete the online application.

What is not covered by private health insurance?

Individual medical insurance doesn't unremarkably cover treatment of long-term (chronic) conditions, where this is focused on keeping the symptoms under command. It also doesn't usually cover:

• Pre-existing atmospheric condition that you had earlier starting the policy
• Emergency treatment
• Pregnancy and childbirth
• Cosmetic surgery
• Organ transplants

For a full list of what's non covered, cheque the policy documents for your wellness insurance plan.

Do I demand a medical examination earlier taking out health insurance?

No, you don't. Withal, y'all may need to answer some questions about your medical history or nosotros might need to contact your GP. We'll e'er tell you if that's the case. Just requite u.s.a. a telephone call and nosotros'll tell you if we need more information before giving you a quote.

Tin I become individual wellness insurance with a pre-existing condition?

Private medical insurance does not generally comprehend pre-existing conditions; however, some conditions might be covered after 2 years if you lot had no symptoms, treatment or medication in that menstruum, depending on your underwriting.

What is an insurance premium?

An insurance premium is the amount you pay monthly or annually for your health insurance policy. Your premium is reviewed once a yr and it could change depending on factors such as your age or medical inflation. We usually won't increase your premium for making a claim.

Can I however use the NHS if I have private health insurance?

Yes. Private wellness insurance is not meant to supercede the NHS, but to piece of work alongside it equally some things are not covered by private medical insurance (such as emergency services or pre-existing health conditions). For more information meet NHS vs Private Healthcare.

Read more than FAQs

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Source: https://www.freedomhealthinsurance.co.uk/health-insurance

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