What Freedom Health Insurance’s own policy document says about 4 parts of its Freedom Elite cover, quoted rather than summarised. Source: Freedom Elite — Policyholder's Guide to Cover (April 2025), read 4 September 2026.
| Benefit | What the document says | Page |
|---|---|---|
| Pre existing conditions | Pre-existing exclusions run on an explicit five-year look-back: any condition, or a related condition, you had in the five years before cover started is excluded unless specifically agreed. Most documents describe the principle without naming the period. | 8 |
| Out-patient cover | Out-patient treatment, alternative therapies, mental health care and dental/optical/GP fees are all optional extras rather than core cover — and the guide warns that a benefit it describes is not held unless it appears on the certificate. | 10 |
| Chronic conditions | Chronic conditions are excluded and defined as the long-term management or maintenance of incurable, prolonged or lifelong conditions. | 8 |
| Excess | The excess is deducted from the first valid invoice and from subsequent invoices until used up, then paid by the member directly to the provider rather than to the insurer. | 31 |
Pre existing conditions
A pre-existing condition is a medical condition you had before your cover under this policy started. We will not cover a medical condition, or a related condition, you had within the five-year period before your cover with us started unless we have agreed to cover that condition.
Pre-existing exclusions run on an explicit five-year look-back: any condition, or a related condition, you had in the five years before cover started is excluded unless specifically agreed. Most documents describe the principle without naming the period. (page 8)
Only 2 of the insurers whose wording we hold address pre existing conditions, so there is no comparison page for it yet.
Out-patient cover
Freedom Elite offers a range of optional additional benefits. These are: outpatient treatment; alternative therapies; mental health care; and dental, optical and private GP fees. If you are covered for any of these additional benefits, they will be shown on the certificate. If an additional benefit is not shown on the certificate, you do not have that cover even though it is mentioned in this guide.
Out-patient treatment, alternative therapies, mental health care and dental/optical/GP fees are all optional extras rather than core cover — and the guide warns that a benefit it describes is not held unless it appears on the certificate. (page 10)
Only 2 of the insurers whose wording we hold address out-patient cover, so there is no comparison page for it yet.
Chronic conditions
long-term management or maintenance of incurable, prolonged or lifelong conditions (these are called 'chronic conditions')
Chronic conditions are excluded and defined as the long-term management or maintenance of incurable, prolonged or lifelong conditions. (page 8)
5 insurers in our set document this. See chronic conditions compared across 5 UK insurers.
Excess
If this policy does have an excess, we will deduct this amount from the first valid invoice we receive and from any subsequent valid invoices until the excess has been fully applied. We will tell you when we have done this and you will then need to pay the excess amount to the relevant provider.
The excess is deducted from the first valid invoice and from subsequent invoices until used up, then paid by the member directly to the provider rather than to the insurer. (page 31)
4 insurers in our set document this. See excess compared across 4 UK insurers.
The other documents we hold
- Aviva Healthier Solutions — 14 benefits quoted from its April 2025 document.
- AXA Health Personal Health — 12 benefits quoted from its October 2024 document.
- Bupa By You — 10 benefits quoted from its 2024 document.
- Saga HealthPlan Super — 5 benefits quoted from its May 2025 document.
- The Exeter Health+ — 10 benefits quoted from its October 2025 document.
- WPA Complete Health — 10 benefits quoted from its November 2025 document.
Get a quote for Freedom Health Insurance cover
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This quotes one document at one point in time, and insurers revise wording at renewal. It is general information rather than advice, and it cannot tell you what Freedom Health Insurance would offer you personally — that turns on your medical history and the underwriting you accept. See also the guide to comparing UK cover and the list of FCA-authorised brokers.