IR - Freedom Healthnet Ltd

Freedom Healthnet Ltd - Freedom Elite

The Freedom Healthnet Elite health insurance policy is slightly different in that is does provide cover in ways that other health insurance policies do not and this is what makes it unique.

Pre-existing conditions
Normally medical insurance will not cover you for a pre-existing condition. You have to be free of symptoms of a past condition for two years from the date you take up your health cover.

Chronic conditions
Chronic conditions are those that are long term and need managing. For example asthma or arthritis. However sometimes policies can provide cover for unusual ‘flare ups’ that need to be controlled for you to carry on leading a normal life again even if your condition is chronic. Additionally if you present with a new acute condition that ends up being a chronic condition you are normally covered for your initial investigations.

With Freedom Elite comprehensive medical insurance however you are covered for chronic conditions under their Executive Option.

Benefits

Option 1 – Out-Patient Cover	All £1500 Full refund None
Option 2 – Alternative Therapies	All £750 £1500 None
Option 3 – Psychiatric Care	All Yes No
Option 4 – Private GP, Dental & Optical	All Yes No
Option 5 – Executive Benefits	All Yes No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full cover – within your chosen hospital list.
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full cover – within the limits of our fee schedule, if charges exceed those stated then the difference is your responsibility to settle.
Physicians fees & diagnostic tests
	Full cover
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full cover (Refer to Freedom's membership guide for cancer cover)
Psychiatric treatment
Option 3 – Psychiatric Care - No	Not covered
Option 3 – Psychiatric Care - Yes	Option 3 – Psychiatric Care Full refund for up to 45 days for in-patient and day-patient treatment
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
Option 2 – Alternative Therapies - None	Not covered
Option 2 – Alternative Therapies - £750	Option 2 – Alternative Therapies Up to £750 for Osteopath, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist (GP referral 6 visits only)
Option 2 – Alternative Therapies - £1500	Option 2 – Alternative Therapies Up to £1,500 for Osteopath, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist (GP referral 6 visits only)
Diagnostic tests (excluding scans)
Option 1 – Out-Patient Cover - None	Not covered
Option 1 – Out-Patient Cover - £1500	Option 1 – Out-Patient Cover Up to £1,500 for out-patient treatment, diagnostic tests, consultations & physiotherapy (GP referral 6 visits only)
Option 1 – Out-Patient Cover - Full refund	Option 1 – Out-Patient Cover Full cover
GP referred consultations
Option 1 – Out-Patient Cover - None	Not covered
Option 1 – Out-Patient Cover - £1500	Option 1 – Out-Patient Cover Up to £1,500 for out-patient treatment, diagnostic tests, consultations & physiotherapy (GP referral 6 visits only)
Option 1 – Out-Patient Cover - Full refund	Option 1 – Out-Patient Cover Full cover
Physiotherapy consultant referred
Option 1 – Out-Patient Cover - None	Not covered
Option 1 – Out-Patient Cover - £1500	Option 1 – Out-Patient Cover Up to £1,500 for out-patient treatment, diagnostic tests, consultations & physiotherapy (GP referral 6 visits only)
Option 1 – Out-Patient Cover - Full refund	Option 1 – Out-Patient Cover Full cover
Physiotherapy GP referred
Option 1 – Out-Patient Cover - None	Not covered
Option 1 – Out-Patient Cover - £1500	Option 1 – Out-Patient Cover Up to £1,500 for out-patient treatment, diagnostic tests, consultations & physiotherapy (GP referral 6 visits only)
Option 1 – Out-Patient Cover - Full refund	Option 1 – Out-Patient Cover Full cover for out-patient treatment, diagnostic tests, consultations, (physiotherapy GP referral 6 visits only)
Psychiatric cover
Option 3 – Psychiatric Care - No	Not covered
Option 3 – Psychiatric Care - Yes	Option 3 – Psychiatric Care Up to £2,000
Radiotherapy / Chemotherapy
	Full cover
Scans - MRI / CT / PET
	Full cover
Surgical Procedures
Option 1 – Out-Patient Cover - None	Not covered
Option 1 – Out-Patient Cover - £1500	Option 1 - Out-Patient Cover Covered up to the limit of your out-patient cover - (£1,500 limit)
Option 1 – Out-Patient Cover - Full refund	Option 1 – Out-Patient Cover Full cover
Key Facts - Additional Benefits
NHS cash benefit
	£200 per night (no maximum limit) upon receipt of a discharge summary from the hospital for NHS In-Patient Benefit £100 per day (no maximum limit) upon receipt of a discharge summary from the hospital for NHS Day-Patient Benefit
Nursing at home
	Full cover up to a maximum of 13 weeks
Parental accommodation
	Full cover for accommodation for a parent if child 18 or under
Primary care
	Not covered
Private ambulance
	Full cover
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Dependent children will be removed from this Policy at the expiry date of the Policy period during which their 30th birthday falls. They will be invited to start their own independent Policy.
Chiropractors & Osteopaths
Option 2 – Alternative Therapies - None	Not covered
Option 2 – Alternative Therapies - £750	Option 2 – Alternative Therapies Up to £750 for Osteopath, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist (GP referral 6 visits only)
Option 2 – Alternative Therapies - £1500	Option 2 – Alternative Therapies Up to £1,500 for Osteopath, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist (GP referral 6 visits only)
Dental treatment
	Full cover within list of oral surgery procedures
Option 4 – Private GP, Dental & Optical - Yes	Option 4 – Private GP, Dental & Optical Up to £300 for routine dental Up to £600 for accidental dental £50 compulsory excess (per policy year) No qualifying period
GP minor surgery
Option 4 – Private GP, Dental & Optical - Yes	Option 4 – Private GP, Dental & Optical £300 - For private GP charges, for consultations, diagnostic tests, and minor surgery carried out in the GP’s own surgery. £50 compulsory excess (per policy year) No qualifying period
GP Referred Chiropody, Podiatry or Homeopathy
Option 2 – Alternative Therapies - None	Not covered
Option 2 – Alternative Therapies - £750	Option 2 – Alternative Therapies Up to £750 for Osteopath, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist (GP referral 6 visits only)
Option 2 – Alternative Therapies - £1500	Option 2 – Alternative Therapies Up to £1,500 for Osteopath, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist (GP referral 6 visits only)
Hospice care cash benefit
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	£150 per child following an 10 month qualifying period.
Optional cash benefit
Option 4 – Private GP, Dental & Optical - No	Not covered
Option 4 – Private GP, Dental & Optical - Yes	Option 4 – Private GP, Dental & Optical Up to £300 for routine dental Up to £600 for accidental dental £50 compulsory excess (per policy year) No qualifying period
Out of pocket expenses
	Not covered
Overseas cover
	Not covered
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	Pregnancy Complications are covered in full (see policy brochure for list of covered complications)
Stress counselling helpline
	Not covered
Transplants
	Not covered
Other benefits

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

Full cover – within your chosen hospital list.

Surgeon / Consultant / Specialist & Anaesthetists fees

Full cover – within the limits of our fee schedule, if charges exceed those stated then the difference is your responsibility to settle.

Physicians fees & diagnostic tests

Full cover

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full cover (Refer to Freedom's membership guide for cancer cover)

Psychiatric treatment

Option 3 – Psychiatric Care - No

Not covered

Option 3 – Psychiatric Care - Yes

Option 3 – Psychiatric Care
Full refund for up to 45 days for in-patient and day-patient treatment

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Option 2 – Alternative Therapies - None

Not covered

Option 2 – Alternative Therapies - £750

Option 2 – Alternative Therapies
Up to £750 for Osteopath, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist (GP referral 6 visits only)

Option 2 – Alternative Therapies - £1500

Option 2 – Alternative Therapies
Up to £1,500 for Osteopath, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist (GP referral 6 visits only)

Diagnostic tests (excluding scans)

Option 1 – Out-Patient Cover - None

Not covered

Option 1 – Out-Patient Cover - £1500

Option 1 – Out-Patient Cover
Up to £1,500 for out-patient treatment, diagnostic tests, consultations & physiotherapy (GP referral 6 visits only)

Option 1 – Out-Patient Cover - Full refund

Option 1 – Out-Patient Cover
Full cover

GP referred consultations

Option 1 – Out-Patient Cover - None

Not covered

Option 1 – Out-Patient Cover - £1500

Option 1 – Out-Patient Cover
Up to £1,500 for out-patient treatment, diagnostic tests, consultations & physiotherapy (GP referral 6 visits only)

Option 1 – Out-Patient Cover - Full refund

Option 1 – Out-Patient Cover
Full cover

Physiotherapy consultant referred

Option 1 – Out-Patient Cover - None

Not covered

Option 1 – Out-Patient Cover - £1500

Option 1 – Out-Patient Cover
Up to £1,500 for out-patient treatment, diagnostic tests, consultations & physiotherapy (GP referral 6 visits only)

Option 1 – Out-Patient Cover - Full refund

Option 1 – Out-Patient Cover
Full cover

Physiotherapy GP referred

Option 1 – Out-Patient Cover - None

Not covered

Option 1 – Out-Patient Cover - £1500

Option 1 – Out-Patient Cover
Up to £1,500 for out-patient treatment, diagnostic tests, consultations & physiotherapy (GP referral 6 visits only)

Option 1 – Out-Patient Cover - Full refund

Option 1 – Out-Patient Cover
Full cover for out-patient treatment, diagnostic tests, consultations, (physiotherapy GP referral 6 visits only)

Psychiatric cover

Option 3 – Psychiatric Care - No

Not covered

Option 3 – Psychiatric Care - Yes

Option 3 – Psychiatric Care
Up to £2,000

Radiotherapy / Chemotherapy

Full cover

Scans - MRI / CT / PET

Full cover

Surgical Procedures

Option 1 – Out-Patient Cover - None

Not covered

Option 1 – Out-Patient Cover - £1500

Option 1 - Out-Patient Cover
Covered up to the limit of your out-patient cover - (£1,500 limit)

Option 1 – Out-Patient Cover - Full refund

Option 1 – Out-Patient Cover
Full cover

Key Facts - Additional Benefits

NHS cash benefit

£200 per night (no maximum limit) upon receipt of a discharge summary from the hospital for NHS In-Patient Benefit
£100 per day (no maximum limit) upon receipt of a discharge summary from the hospital for NHS Day-Patient Benefit

Nursing at home

Full cover up to a maximum of 13 weeks

Parental accommodation

Full cover for accommodation for a parent if child 18 or under

Primary care

Not covered

Private ambulance

Full cover

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Dependent children will be removed from this Policy at the expiry date of the Policy period during which their 30th birthday falls. They will be invited to start their own independent Policy.

Chiropractors & Osteopaths

Option 2 – Alternative Therapies - None

Not covered

Option 2 – Alternative Therapies - £750

Option 2 – Alternative Therapies
Up to £750 for Osteopath, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist (GP referral 6 visits only)

Option 2 – Alternative Therapies - £1500

Option 2 – Alternative Therapies
Up to £1,500 for Osteopath, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist (GP referral 6 visits only)

Dental treatment

Full cover within list of oral surgery procedures

Option 4 – Private GP, Dental & Optical - Yes

Option 4 – Private GP, Dental & Optical
Up to £300 for routine dental
Up to £600 for accidental dental
£50 compulsory excess (per policy year)
No qualifying period

GP minor surgery

Option 4 – Private GP, Dental & Optical - Yes

Option 4 – Private GP, Dental & Optical
£300 - For private GP charges, for consultations, diagnostic tests, and minor surgery carried
out in the GP’s own surgery. £50 compulsory excess (per policy year) No qualifying period

GP Referred Chiropody, Podiatry or Homeopathy

Option 2 – Alternative Therapies - None

Not covered

Option 2 – Alternative Therapies - £750

Option 2 – Alternative Therapies
Up to £750 for Osteopath, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist (GP referral 6 visits only)

Option 2 – Alternative Therapies - £1500

Option 2 – Alternative Therapies
Up to £1,500 for Osteopath, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist (GP referral 6 visits only)

Hospice care cash benefit

Not covered

Infertility investigations

Not covered

Maternity cash benefit

£150 per child following an 10 month qualifying period.

Optional cash benefit

Option 4 – Private GP, Dental & Optical - No

Not covered

Option 4 – Private GP, Dental & Optical - Yes

Option 4 – Private GP, Dental & Optical
Up to £300 for routine dental
Up to £600 for accidental dental
£50 compulsory excess (per policy year)
No qualifying period

Out of pocket expenses

Not covered

Overseas cover

Not covered

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

Pregnancy Complications are covered in full (see policy brochure for list of covered complications)

Stress counselling helpline

Not covered