Provider: Freedom Healthnet Product: Private Medical Insurance Plan Overview: This is a low-cost ...
Provider: Freedom Healthnet
Product: Private Medical Insurance Plan
Overview: This is a low-cost option for private medical insurance and offers benefits for inpatient treatment and outpatient treatment as an option. Benefit is paid to the policyholder on diagnosis and allows freedom to choose any hospital.
There are three levels of cover: Bronze, Silver and Gold.
The levels differ in the limit of inpatient benefit paid per years:
Level Annual limit per person (inpatient)
Freedom Bronze £10,000
Freedom Silver £20,000
Freedom Gold £30,000
Treatment: The customer deals directly with the hospital for treatment, which minimises administration and keeps premiums low. Freedom provides the option of obtaining support in sourcing inpatient and outpatient from independent third parties, Preferred Health Care and European Medical Care.
Claims: Outpatient treatment costs are generally settled by reimbursement, once proof of payment for covered medical expenses has been received. Where practical, Freedom will settle the pre-authorised medical expenses either over the phone or online at the time of treatment, direct to the hospital. Once inpatient treatment is authorised, payment is made directly to the client, so they can choose to travel abroad or benefit from regional price differences for treatment as a self-pay client. Any savings are kept by the customer.
Does the provider provide access to online literature? Yes. The key features document can be downloaded.
Head office address:
Freedom Healthnet Ltd
Heliting House
35 Richmond Hill
Bournemouth
BH2 6HT
Tel: 08703 50 40 30
Fax: 08703 50 40 40
Ages at commencement: Minimum age is 18 attained. Maximum age is 65 (child-only policies are also available).
Age cover ceases for existing clients: If joined before age 65 years old, there is no upper age limit
Maximum age for a dependant child to be covered: Included children must be under age 21.
Maximum age for a full-time student to be covered: Included children in full-time education must be under age 25.
Premiums can be paid monthly: Yes. Premiums can be paid monthly by direct debit.
Minimum acceptable monthly premium: Minimum premium for a single adult, inpatient only, Bronze cover is £9.16 for an 18-year-old.
Premiums can be paid annually: Premiums can be paid annually by direct debit or cheque. Annual premiums attract a 6% discount.
Minimum acceptable annual premium: Minimum premium for a single adult, inpatient only, Bronze cover is £103.32 for an 18-year-old.
Premiums payment methods: Premiums can be collected monthly and annually by direct debit. Annual premiums can be paid by cheque.
Underwriting by moratorium clause: Moratorium underwriting - any medical condition that occurred during the five years prior to the inception of the Freedom plan will be excluded for the first two years the policy is in force.
Cover excluded by the moratorium may be reinstated later if the medical condition has not recurred for a continuous period of two years since the date it was last treated.
Corporate moratorium:
No. of employees Discount on individual rates
3 10%
4-99 20%
100+ referred
Corporate CPME:
No. of employees Discount on individual rates
4-9 5%
10-99 15%
100+ referred
Compulsory excess applied: Compulsory excess is £100 applied to each claim.
Optional excess available: Premiums can be reduced by an optional excess.
Excess
Voluntary Compulsory Total Discount
£0 £100 £100 0%
£100 £100 £200 7.5%
£250 £100 £350 12.5%
£500 £100 £600 17.5%
£1000 £100 £1100 25%
Non-smoker rates available: A 6% increase in premiums if the policyholder is a smoker, or has smoked cigarettes, cigars, tobacco or pipes within the last three years.
Claims pre-authorisation service: Eligible claims are paid on diagnosis and therefore agreed before treatment.
Claims settled direct with hospital: Inpatient claims are paid to the policyholder.
In patient benefits: Full refund subject to annual cover maximum for:
&149;Accommodation and nursing
Hospital accommodation, hospital nursing fees, medical expenses, ancillary charges and prescribed medicines and drugs
&149;Specialists fees
Surgeons, anaesthetists, physicians' fees (while in hospital)
&149;Diagnostic tests
MRI CT scans, tests, X-rays
&149;Cancer care
Oncology tests, drugs, consultants' fees including cover for chemotherapy and radiotherapy
&149;Complementary care
Physiotherapy
&149;Childbirth
Pregnancy Complications (after 11 months)
&149;Operation fees covered
Full refund up to annual cover maximum for all operations under inpatient or additional outpatient cover
&149;Outpatient benefits
Outpatient treatment can be added to the policy at an additional cost. The annual limit of cover depends on the level or inpatient cover selected:
Inpatient level Outpatient cover
Bronze £500
Silver £750
Gold £1,000
Outpatient benefit is inclusive of the following within the annual limit:
&149;Specialists fees
Specialist consultation and treatment fees
&149;Diagnostic tests
X-rays, pathology, diagnostic tests and procedures
&149;Complementary care
Physiotherapy up to £500
&149;Outpatient cancer care
MRI, CT scans, radiotherapy and chemotherapy either as an inpatient, day care or outpatient are covered under the inpatient benefit.
&149;Day care treatment
MRI, CT scans, radiotherapy and chemotherapy either as an inpatient, day care or outpatient are covered under the inpatient benefit.
&149;International cover
Freedom plan enables the customer to choose any hospital worldwide.
&149;Cover for cost of maternity complications
Pregnancy complications covered after 11 months as an inpatient.
&149;General exclusions
Treatment for chronic conditions
HIV/AIDS
Cosmetic surgery
Visits to the GP
Pre-existing medical conditions
Web link:
www.freedomhealthnet.com
