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Freedom launched a revolutionary new concept in Private Medical Insurance in 2003 that leads to lower premiums across the age bands and gives the claimant the freedom to choose where to have their healthcare treatment – anywhere in the UK or Worldwide with the Freedom to choose their own consultants.
 The Plans: The 'flagship' plan is the Diamond Plus plan, a competitively priced, comprehensive option. The Diamond Plus plan is a no-limit, annually renewable, menu driven policy aimed at individuals and company’s within the UK. Unlike many plans available today, Diamond Plus pays a cash sum per treatment, in line with a published schedule of procedures. "The key feature is that if the treatment costs less or is free (eg NHS treatment) the customer keeps all of the cash difference, while if the treatment costs more, the customer pays any extra." One of the aspects that makes the Freedom plans quite unique is that there no prescribed hospital list, so you can choose where you have treatment – even travelling overseas if preferred. But what happens if I want treatment in another country but I can’t speak the language? Freedom have an organised system whereby they find medical professionals that meet your requirements. Therefore, if you want a surgeon who is specialised in the area of treatment you require and who speaks your national language then Freedom will find such a surgeon for you. Will I be penalised for claiming due to a ‘No Claims Discount’? No. The Diamond Plus plan does not have a ‘No Claims Discount’, this means that the premium quoted will only be affected by the usual medical inflation, age inflation etc. Therefore, unlike Private Medical Insurance policies that do have a ‘No Claims Discount’ (NCD) you should not experience colossal increases come renewal which would on such policies with NCD’s be based on how many claims you have made. What happens if I don’t receive the recommended treatment that I have claimed for on my Freedom Diamond Plus plan? With the Diamond Plus plan because Freedom pay-out for the recommended treatment before you receive it, they have enabled you to have the option of taking the course of treatment advised by your GP / Specialist and paying for it using the money they have given you or you can choose not to take the course of treatment and keep the money. However, if you choose to do the latter then you must note that if the condition reoccurs then Freedom will not pay-out for treatment of the same condition again. What choices of underwriting do I have? When you join a medical insurance policy, with any insurer, part of the application process regards your medical history and the insurer needs to determine what they will and will not cover. This is called underwriting… Any pre-existing medical conditions are not covered from outset, and may be looked at differently dependant upon the style of underwriting you have chosen. These are a Moratorium or Full Medical Underwriting. Freedom will not cover any pre-existing medical conditions that were present in the last 5 years. These conditions may automatically become eligible for cover as long as you do not have any symptoms, or receive treatment, medication, tests and advice (from your GP or a specialist) for that condition for a continuous period of 2 years after your policy has started. Also there are some conditions that will probably never be eligible for cover; these are known as chronic conditions. This is because they will always need regular or occasional treatments, medication, tests or advise for them. After the policy start date if you do have any symptoms, treatment, medication, test or advice, then your 2 years free from them will have to start again. This is where you complete the application form, giving details of your medical history. If necessary the insurer may write to your doctor for more information. It is essential that you give all the information that is requested. If you do not you may find that the insurer may refuse to pay a claim that you may make in the future, or they may even cancel your policy. If you are not sure whether or not to mention something, it is best to do so. If you have a medical condition which is likely to come back the insurer will issue you a policy, but that condition (and any relating to it) may not be covered, either indefinitely or for a set period of time. Do I have Out-Patient treatment covered on my policy or is it just In-Patient and Day-Treatment? You can have both!! Out-Patient benefits are covered in full. However, you do have the option of choosing from the following 3 areas of additional Out-Patient cover as well: – Therapies – Psychiatric Care – Rehabilitation Benefits The standard Out-Patient benefits which are built into the policy include such things as, consultations, x-rays and diagnostic tests etc. What is the criterion that has to be met? Applicants must be between the ages of 18 – 65 for moratorium underwriting and 18 – 74 for Full Medical Underwriting. Please note, you must also be of UK nationality. * You must be resident in the UK and registered with a UK GP for a minimum of 6 months to qualify for cover. |
Financial Protection:
| Personal Accident |
| Income Protection |
| Critical Illness Cover |
| Term / Life Assurance |
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