Freedom Health Insurance UK Reviews 

I've been quite disappointed with the customer journey from getting initial treatment approved and ongoing rehab post surgery. I was recommended Freedom Health 5 years ago as excellent on cover and customer service and changed from using Bupa in the past. This year is the first time I've needed to use my cover and the experience has been really poor, from getting approval for treatment / surgery, providers complaining that they havent been paid for services provided / approved and having cover for my post-surgery rehab with the physio removed, even though I'm a few months away from being fully recovered (I'm 4 months through a 9-12 month rehab following ACL reconstruction).

Freedom is flexible, friendly , helpful.
The procedures of claiming is not too much bureaucratic like it is in other insurance companies.
My documents were processed within 2 weeks and then i have got money on my account.
The staff is open , friendly, English - speaking.

Javed Saumtally was extraordinary in his support and he went out of his way to authorise my cancer treatment and other treatments I needed. I'm actually amazed by the personal service and empathy I received from all the people involved in claims at Freedom Health.

Javed has literally saved our life dealing with a difficult situation super efficiently.
Bravo

If I could have given 10 stars it would not have been enough. The staff have been fantastic, very courteous and extremely efficient in helping me through my claim and for the level of care that they have provided. Not every private hospital has heard of Freedom Health but they all must be extremely please how efficiently they deal with your claim. I cannot recommend Freedom Health Insurance highly enough. They have supported me through a very stressful time. A huge thank you to all the staff at Freedom Health Insurance.

From the moment that we needed to claim for my wife’s cancer and until now, we are indebted to Freedom Health. Firstly the claims Line is answered immediately. The claims staff are friendly, polite and incredibly helpful. Simply, the best medical health company around. Thank you Freedom. We will continue to recommend Freedom to our family and friends. Please Freedom, continue to offer such a superb service. With grateful thanks to you all.

Stephen varga provided exceptional customer service and resolved my problem over the call when this has been going on for months. He is an asset to your company. Very patient and attentive, and extremely compassionate!

I needed to see a doctor quickly as he was going away on holiday, i called Freedom Health and Shannon was extremely helpful and understanding. The consultation was approved quickly and had the appointment.
I was grateful they could help me under the circumstances.

Freedom approved an urgent claim for me in under 20 minutes today! For various boring reasons a consultant had missed something vital off a referral letter and I was in danger of losing an appointment for scans. The letter was rewritten and supplied to Freedom with a plea for urgent attention. I'd say 20 minutes is pretty urgent, and very impressive! Thank you Shannon :-)

I´ve been with Freedom for 3 years now and genuinely have to say I can't fault them. I see with my own patients how they often don't want to use their insurance due to it always being a hassle whereas I tend to get an phone GP appointment with on the day I call and have the referral letter on the same/following day. The Freedom claims team are helpful, quick and in a good mood when picking up the phone, unlike most customer service. Special thanks to Shannon, Richard, Holly and others whose names I cannot remember!!

My wife and I are impressed by the care and compassion from Freedom Health. Shannon. Stephen and Richard are amazing and very helpful. They go that extra mile in understanding, supporting and helping us overcome so many challenges, in times of our need. Thank you for being their for us.

As simple as that: they refuse all claim, here to take the money, never to give a bit back to cover your health
Always using hardest words and definition to justify their ways

UPDATE FOLLOWING THEIR ANSWER : they re talking about a single claim but a reaffirm that i got refusal on MANY claims not just one

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.

This is a family run company and not only has a very comprehensive policy it also has 5 star customer service. In my 10+ years with them, any time I have needed to call I have been answered promptly by friendly, courteous and super efficient staff. Claims have been dealt with very smoothly and have never needed any intervention from me. I unhesitatingly recommend Freedom

Wish I could have given them no star at all. Worst service I have ever received. Avoid these scammers at all costs. I was with another medical insurance company for the last few years and they are brilliant. I moved to this crap due to a better quote on a comparison site. That turned out to be a big mistake. I informed them of my backache and it’s been two weeks but no progress. I called multiple times and every time I had to tell the whole story and the response is ‘we are trying to get some information from your GP’. This company is a joke. Avoid at all costs.

I have been a client of other insurance companies and always dread make a claim, but my experience with Freedom has been incredible. So helpful, so supportive. They make everything so easy and go that extra mile to help.

The team at Freedom Health provided an efficient, friendly and helpful service. My queries were responded to promptly and the claim processed efficiently.

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

I have been with many different insurance companies over my life- and I have to say with my hand on my heart this is the best one in terms of administration and the convenience of how my claim was handled. I mainly spoke to a very polite man called Stephen, (my first claim) who not only guided me through everything I had to do, but was very empathetic towards my situation. I have called three or four times and have been able to speak to somebody with no waiting time whatsoever. I am actually a medical secretary and know the difficulties I have trying to speak to other insurance companies- I usually give up. There was a query with my claim, but this was dealt with very quickly, and I was able to book an appointment to see a consultant the very same day, and approved for my MRI within minutes of calling Stephen today - long may it continue

Freedom Health have been very supportive during my ongoing problems with Prostate Cancer. They have successfully made the Claim easy and stress free. It is refreshing that I am in touch with one of the team you can discuss my case on a 1 to 1 basis and my main thanks go to Maggie Glasspool in the claims department.