It is a sad reflection on today’s market that so much is price sensitive. Increased costs from every angle mean that every pound spent on providing healthcare has to count.

Most leading insurers have found various ways and means to achieve the desired effects, primarily making the premium attractive to new purchasers and reflecting its usage with discounts and penalties.

As with motor and home insurance, many modern policies contain a No Claims Discount of some type. This rewards those who do not claim, but it can mean a steep increase at renewal – and now you have a pre-existing condition!

We are pleased to point out that the Freedom HealthNet plans DO NOT use a No Claims Discount, so the renewal following the claim, you will not be penalised in any way !!

Also, these same traditional insurers are trying to restrict the Doctors and Hospitals you can use on your policy, directing you down a more ‘cost efficient route’ to demonstrate savings. This is all good and well, but what happens when it is not in your ‘clinical’ interest?... suddenly, you have a fight on your hands.

With Freedom, they provide you with the choice so ‘you’ can decide what is best for ‘you’.

At the point of making a claim on your Freedom HealthNet plan, you will be offered the following choices:

	Treat it like a Normal Policy: Call the insurer and let them sort things out for you. They will negotiate terms with your preferred hospital and make sure all is paid as it should. One call and everything is taken care of.
	Self Pay Patient Approach: You may already be aware that as a Self Pay Patient (?) you could negotiate procedure costs down by as much as 40% compared to what your insurer can do. Freedom HealthNet pay you the funds to enable this option directly into your bank.
	Self Pay Patient Approach – Overseas Operations As above, by searching further a field, you can demonstrate even more savings. Ideal if you have friends or relations overseas as you could combine with a holiday !! Freedom can also help you with these arrangements...
	Wait it out on the National Health Service: Depending on the condition you are waiting to have treatment for, you may be able to get treatment through the NHS without having to wait very long at all. In fact, if you are having a serious operation, there is a strong argument for using the NHS as they often have better emergency facilities than most private hospitals.

 
And the best part… what ever savings can be obtained, remain yours. Tax free.

If you would like to see just how much you could be saving with Freedom HealthNet, click here for a free quotation.