Key Facts - In-patient & Day Case Charges |
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| Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings |
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Full refund (in accordance with General and Medical fee guidelines) |
| Surgeon / Consultant / Specialist & Anaesthetists fees |
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Full refund (in accordance with General and Medical fee guidelines) |
| Physicians fees & diagnostic tests |
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Full refund (in accordance with General and Medical fee guidelines) |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy |
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Not covered |
| Psychiatric treatment |
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Not covered |
| Six week option |
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Not available |
Key Facts - Out-patient Charges |
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| Complementary medicine |
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Only where precedes or follows eligible in-patient treatment within 6 months. Total amount for a year £250 |
| Diagnostic tests (excluding scans) |
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Initial diagnostic test only-from within overall £500 combined total out-patient benefit per annum for non related to an in-patient condition (in accordance with General & Medical fee guidelines for conditions related to in-patient) |
| GP referred consultations |
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Initial diagnostic test only-from within overall £500 combined total out-patient benefit per annum for non related to an in-patient condition (otherwise full refund in accordance with General & Medical fee guidelines for conditions related to in-patient) |
| Physiotherapy consultant referred |
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Therapies Only where precedes or follows eligible in-patient treatment within 6 months. Total amount for a year £250. |
| Physiotherapy GP referred |
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Therapies Only where precedes or follows eligible in-patient treatment within 6 months. Total amount for a year £250. |
| Psychiatric cover |
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Not covered |
| Radiotherapy / Chemotherapy |
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Not covered |
| Scans - MRI / CT / PET |
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Initial diagnostic test only-from within overall £500 combined total out-patient benefit per annum for non related to an in-patient condition (in accordance with General & Medical fee guidelines for conditions related to in-patient) |
| Surgical Procedures |
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Only where precedes or follows eligible in-patient treatment within 6 months |
Key Facts - Additional Benefits |
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| NHS cash benefit |
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Not covered |
| Nursing at home |
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Not covered |
| Parental accommodation |
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£500 per year |
| Private ambulance |
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Not covered |
Additional Benefits |
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| Alcohol & drug abuse |
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Not covered |
| Annual maximum limit |
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£1,000,000 pa |
| Children covered |
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From 30 days after birth up to the age of 21 (or 25 if still in full time education) |
| Chiropractors & Osteopaths |
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Therapies Only where precedes or follows eligible in-patient treatment within 6 months. Total amount for a year £250. |
| Dental treatment |
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Certain oro-surgical procedures covered (but not routine dentistry) |
| Infertility investigations |
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Not covered |
| Maternity cash benefit |
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Not covered |
| Optional cash benefit |
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£100 per night Cash Benefit up to a maximum of £1000 per membership year if member has chosen the Freedom Hospital option when purchasing cover but elected to use a First Choice Hospital upon requiring eligible in-patient treatment. £100 is also available as a single payment for a Freedom member who elects to use a First Choice Hospital for eligible day-patient treatment. |
| Out of pocket expenses |
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Not covered |
| Overseas cover |
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Additional cost option available through General & Medical |
| Personal & total disability benefit |
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Not covered |
| Post hospital recovery bonus |
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Not covered |
| Pregnancy |
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Not covered |
| Transplants |
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Not covered |
Registration 
