Jan 5 2024
Self-Pay vs Health Insurance - What’s the Difference?
Health InsuranceWhen it comes to self-pay vs health insurance, which one is right for you? Our guide explores these two options.
Read MoreThe affordable health insurance plan that puts you in control while keeping the costs down. Get a quick quote or purchase online today.
Why choose us? Get a quoteGetting a health insurance quote from Freedom Health Insurance is quick and simple. Compare our products, personalise your cover and purchase online in just a few minutes.
Get a quoteThe Freedom Essentials affordable medical insurance plan has been created to give you full control of your healthcare while keeping your premium budget friendly. Whether you are looking for an individual policy just for you or you want to cover your whole family, the Freedom Essentials plan allows you to get treated in any hospital, anywhere in the world.
With Freedom Essentials you receive a fixed cash benefit with no annual limit for eligible inpatient and day-patient treatment which you can then use to get treated privately in the UK or abroad as a self-pay patient. If you chooses a more expensive hospital, you are responsible for any shortfall in cost, but if there is any surplus cash after paying for the treatment, this is yours to keep.
If you decide to use the NHS for your eligible inpatient and day-patient treatment, you will still receive 50% of the cash benefit to spend however you want.
Find out more information about the Freedom Essentials core cover.
Our Freedom Essentials insurance policy is the perfect option for those who are looking for cheaper health insurance which still offers financial support when needed most.
Below is a table displaying a breakdown of what is included in Freedom Essentials’ core cover:
What’s insured? | Benefits | Exclusions/limitations |
---|---|---|
Inpatient and day-patient treatment (where a procedure is required) |
|
Treatment must be carried out by a specialist in a hospital under a self-pay contract. |
Inpatient and day-patient treatment (where a medical procedure is not required) |
|
Treatment must be carried out by a specialist in a hospital under a self-pay contract. |
Cancer cash benefit |
|
The procedure msut be part of a course of active cancer treatment. |
MRI, CT and PET scans |
|
You must be referred by a specialist. No benefit is provided for MRI, CT or PET scans outside the UK |
Additional benefits |
|
Only covers the conditions listed in the Guide to Cover |
You can also opt for additional cover under our Freedom Essentials affordable medical insurance plan. Information on the voluntary benefits available can be found on our optional benefits page.
We believe the NHS provides excellent treatment for cancer, so in order to keep our prices down, we don’t include traditional cancer cover in our Freedom Essentials plan.
Nevertheless, we understand the financial impact cancer can have on someone’s life and we know that a little support can really help. That’s why Freedom Essentials offers a fixed cash benefit as part of a course of active cancer treatment for medical procedures and chemotherapy or radiotherapy which you can use towards the cost of private treatment or to perhaps offset some of the other expenses you might face during this time.
If you’re looking for an affordable health insurance plan that suits your budget and needs, look no further. By taking out our Freedom Essentials cover, you can benefit from the following:
Get a fixed cash benefit with no annual limit for your eligible inpatient or day-patient treatment.
Look after your health and your wallet with an affordable medical insurance plan.
Choose the consultant and the hospital you want for your treatment anywhere in the UK or abroad.
By selecting the optional outpatient treatment benefit, you will get cover in the UK for the following:
Find out more about the additional cover options.
For a full list of exclusions in our Freedom Essentials affordable medical insurance, please see the Policyholder’s Guide to Cover.
Our affordable health insurance plan, Freedom Essentials, is a cheaper alternative to more comprehensive private insurance policies. With this policy, you’ll receive a fixed-cash benefit which you can use to get private medical care for eligible day-patient and inpatient treatments.
If you opt for a more comprehensive health insurance cover, this will usually cover more illnesses and treatments.
Yes, if you choose to take out our Freedom Essentials affordable health insurance (or any of our other policies), you and your family will still be able to receive NHS treatment. With Freedom Health Insurance, you can still receive 50% of the fixed cash benefit we offer for eligible treatment if you decide to choose the NHS for treatment.
Getting affordable health insurance to cover you and your family is a quick and easy process here at Freedom Health Insurance. Simply head to our ‘get a quote’ page, complete the online form with your personal details and what you’d like your policy to cover and you will get a quick online quote. You can then continue the online application to purchase the cover you desire.
Freedom Essentials has been designed to offer affordable health cover, but if you are looking to further reduce your premium, here are a few quick tips:
Find out more about Freedom Essentials from the policy literature below:
All documentsJan 5 2024
When it comes to self-pay vs health insurance, which one is right for you? Our guide explores these two options.
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Read More*Calls may be recorded and monitored for quality and training purposes.
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