Freedom Health Insurance

DISCLAIMER: Not yet a member, so cannot attest to quality of insurance product and services. However, while shopping around for health insurance, I had a really positive experience with one of the Freedom team, Sol Miah, who was incredibly patient, personable and helpful in dealing with all my questions and seemed to really care. Can't be easy dealing with people who are obviously shopping around and come armed with a long list of random questions, but all were expertly handled in a friendly and reassuring manner. Stark contrast to some other insurers whose response was just 'look on the website'. Freedom hadn't been on my shortlist before, but it is now. Thank you.

By far the worse experience I ever had with a Health insurer in the UK.Tried to save a few pounds by choosing Freedom but ended up having a terrible experience.They are quick to book you an online GP consultation but after that I had to call them back to request my prescription, taking two days to receive. They referred me to an “online pharmacist” that charged me £18 for some tablets that cost around £4.50 in Boots.After 18 days waiting for my referral letter that never came, I just cancelled the plan. Their excuse was that they must check ALL my previous medial records before approving any claims. They were basically looking for absolutely anything to deny my claim.Luckily, my problem was a simple indigestion that soon went away, but image if I had something more serious or critical, I most certainly would be dead waiting from their referral letter.Lesson learned, better pay a few pounds more and have a proper insurer!

Worst insurance I ever had, I was trying to get my authorization code which i haven't received yet its 3rd week now. I had some skin rashes and want to see dermatologist my GP gave referral letter and mentioned this is only happen now and had no pervious history like that. But still freedom insurance want more details from my GP which he provided. But still freedom didn't issue any authorization code.In meanwhile my GP prescribed me another medicine and my skin got better.there is no Point wasting money that kind of Insurances although i had my private insurance for last 16 year and first time i switch to freedom and i found them worst.

Unfortunately I am experiencing many of same issues listed by others below. Upon further research, I have discovered that Freedom Health Insurance have an untypically low score on Trust Pilot compared with other insurers.A lot of people have sighted similar issues around not paying out on claims, making life very difficult for their clients, not listening to experts in the field, and playing around with semantics, making the definition of a previous health condition anything they want it to be.I have had delays in response times. Apparently this is due to staff leaving, and new staff taking over my account. I started my claim at the end of August. It's now the end of February, and Freedom still haven't made a decision on whether to pay the claim or not.When I signed up to Freedom Health Insurance, I made it clear that I would be going for a series of health checkups after my insurance started. I wanted to know what would happen if they found something I was unaware of, and they stated that if I didn't have have any previous health conditions there wouldn't be a problem. I asked what they meant by previous health conditions, and they were clear that it needed to be a specific health condition that I'd sought treatment for in the past two years.I really grilled them on what they meant, because as a very active sportsman, who exercises regularly, I sometimes get bruises, DOM's, tired muscles, and stiffness as a result of exercising. They said this does not count as a previous health condition.Cut to the health check up... They found an abnormality on a mobility test. Something that I was unaware of. They suggested that I have further scans done, which didn't show any abnormalities. 8 months later or so, I saw a chiropractor who I see for maintenance a few times a year. I asked him to look at the area with the mobility issue, and he suggested I seek another opinion, and see another specialist. They did some different tests and scans, and suggested I seek treatment to correct the mobility problem, as over the long term it can lead to worsening problems.The only symptoms I've had listed are some stiffness, or soreness, which is something I experience regularly as a result of exercising.All the consultants agree that...1. It would be normal for me to be unaware of any issue.2. That I still have no specifically diagnosed condition at this point, but it's important to investigate the mobility issue further. So it doesn't lead to complications down the road.3. There's no clear way to define what constitutes as a medical condition at this point in time. I have no specifically diagnosed injury, or condition. Hence undergoing further inspection, to be thorough. Some suggestions have been made that I may have something akin to thoracic outlet syndrome (TOS), which is essentially due to low mobility. However, the scans I've had don't clearly demonstrate that I have TOS, so the consultants would like to do further inspection. It's a very broad type of diagnosis, which doesn't have a clear starting date, or clear root cause. It can essentially appear and disappear upon making lifestyle changes. Sometimes it can be treated simply by stretching, and can appear and disappear due to daily postural changes. Hence me having no awareness.- Freedom do not like this being the case, because it doesn't fit into a neat box for them to include in their under writing.Freedom haven't communicated internally, so they have said the following.1. It looks suspicious that a consultant suggested I seek further investigation, after taking out my policy.- I was very clear that I was going have a health checkup after I take out my insurance. I even gave them an indicative date, and they said. Once you've taken out the policy you can go tomorrow if you like.... Please see screenshots to read on.

Definitely the worst health insurance I've ever had and I'm from the US. One of my claims took 4 months to resolve. I was told that this was due to employees going on holiday. Most companies would account for this and just not leave their customers hanging.When they finally paid it they didn't even pay the full amount. It was such a stress as the bill was large and I could afford to pay it as a freelancer. Meanwhile I was getting letters from the doctors office.My second and last claim with them went better it only took them two months to pay it. But I was once again given the same excuse of employees being on holiday and it was October.You're really not saving anything with this company avoid them if at all possible. Also I was never able to get anyone on the phone don't know if that had to go with me having a German phone number or what.

AVOID IF YOU WANT TO BE COVERED!I have had the misfortune of being with Freedom for a number of years now. They wriggle out of covering anything requested, by finding an exclusion in your policy.Most recently we had a worrying skin lesion, which was referred urgently from my GP to exclude cancer. They wouldn't cover the referral!If you value your health please avoid

Working with the team at Freedom health insurance has been wonderful. Such a lovely team. Thank you for having us be a small part of your event x

Where this company stand out fron the rest- is the staff. They have gone beyond to make my journery after a life changing diagnosis so much easier. I have spoken to Shannon and Maggie amongst others and I could not ask for a nicer group of people to have to deal with. I have not had any issues with getting things authorised, it requires a phone call and forwarding of any clinic letters- which is expected, and you get a response in a timely manner. I cannot recommend this company enough.

I am a new Freedom Worldwide policy holder. Freedom Health has provided me with the absolute best insurance support experience I have had in my lifetime. Lynne, in policy support, went that extra mile" to provide me with the policy information I required to ensure I fully understood the details of my new Freedom Health policy coverage. Additionally

They take weeks or months to process claims requests and the policy includes multiple terms and conditions that prevent you from being able to make a claim against a treatment. For example, alternative therapies such as chiropractic treatments will only be approved if you were referred by a GP, which no one ever really does before visiting a Chiropractor.They know this and so that's why they make it a requirement because they know most people will forget to do this. They also know people might skip visiting their GP if their pain is severe and an urgent visit with a therapist is needed.So, they've carefully crafted their policy so that it's complicated to understand with multiple clauses they can refer to to justify not paying you out for claims.When you manage to somehow meet all their requirements for a successful claim, you can expect to wait a minimum of 1 to 2 months just to get your money back.Edit: Your response that your intention is to ensure I receive the most appropriate treatment is not believable. In reality, you're doing this to make the process more complicated and increase your chances of being able to reject the claim because you know the likelihood of clients getting a referral first before undergoing treatment is lower. So, please, don't waste my time with this feedback to my review.