I really recommend this private health insurance company. Freedom Health insurance is a family run business that really cares about the individual and makes things very user-friendly. When you’re no... See more
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
See what reviewers are saying
Honestly the worst health insurers I have ever come across. Utterly awful customer service - even the senior team read off a script whatever your question is. Then they did everything possible to not... See more
Company replied
Do not use this company. I’ve had two doctors and an ent specialist put in writing to that I require surgery to improve my breathing through my nose AND confirm it is not a pre existing conditions. Fr... See more
Company replied
I am pleased to recommend Freedom of Health whom I’m insured with. Quite reasonable and very helpful during 2 double spine operations over the last five months. I have dealt with Stephen Vargas as I... See more
Company replied
Company details
Written by the company
Freedom Health Insurance is an award-winning family owned business providing private medical insurance to individuals, families and businesses across the UK and internationally. Our health insurance plans are personalised to work around you healthcare needs and budget.
Contact info
County Gates House, 300 Poole Road, BH12 1AZ, Poole, United Kingdom
- 01202756350
- info@freedomhealthinsurance.co.uk
- www.freedomhealthinsurance.co.uk
3.6
Average
127 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 88% of negative reviews
Typically replies within 1 month
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
The very best choice
I have been with so many different medical insurance companies such as Bupa, Aviva etc. Freedom is truly the best! I was only with them for two years and sadly I got deadly stage 4 cancer. Since then Freedom has been in total support and offered anything possible to help me even the treatment most of the companies will not approve, it even surprised my doctor. Choose Freedom, you will not be disappointed!
April 2, 2025
Unprompted review
Reply from Freedom Health Insurance UK
Hi Yue,
Thank you so much for sharing your experience — your words truly mean the world to us. We're incredibly sorry to hear about your diagnosis, but we're honoured to have been able to support you through such a challenging time.
It’s stories like yours that remind us why we do what we do. We're committed to providing care that truly makes a difference, and we're so grateful that you chose Freedom Health to be part of your journey. Wishing you continued strength and support.
Kind Regards,
Freedom Health Insurance
Helpful, timely and friendly insurance
I've been with Freedom Health Insurance for two years now, and it's been great so far. They were able to help me even on very short notice, and I'm grateful for their attention and willingness to help!
April 1, 2025
Unprompted review
Reply from Freedom Health Insurance UK
Hi Xenia,
Thank you so much for your feedback and for being with us for the past two years!
We are happy to hear that you've had a positive experience with our team and we were able to support you. Your appreciation means a lot to us — we're always here to help!
Kind Regards,
Freedom Health Insurance
Shannon was very helpful
April 1, 2025
Unprompted review
Reply from Freedom Health Insurance UK
Hello,
Thank you for your feedback! I’m glad Shannon was able to help and provide you with a positive experience.
Please don't hesitate to get in contact should you need anything.
Kind Regards,
Freedom Health Insurance
I’ve been with quite a few insurance…
I’ve been with quite a few insurance companies in my lifetime and have found Freedom to be the best out of them all.
Each time I have spoken to Shannon she has been professional, attentive and amazing to deal with! Would recommend every time!
March 27, 2025
Unprompted review
Reply from Freedom Health Insurance UK
Hi Lewis,
Thank you so much for taking the time to leave a review! It means a lot to know you consider us the best insurance company you have been with. We'll be sure to pass your lovely feedback on to Shannon – she'll be thrilled to know she made such a great impression😊
Thank you again for your recommendation and continued support!
Kind Regards,
Freedom Health Insurance
Helpful kind and efficient
Many thanks for your help, honestly I have to say that Freedom Health (and the lovely Holly in particular) have made this ordeal just a tad easier by being easy to speak with and communicate with without delay which has removed some of the stress from this challenging time for me. I do sincerely appreciate you all.
February 21, 2025
Unprompted review
Reply from Freedom Health Insurance UK
Hi Alex,
Thank you so much for your kind words and for taking the time to leave such a thoughtful review. We're so pleased to hear that Holly and the team were able to support you and make things feel easier.
Being approachable and responsive is at the heart of what we do, and it truly means a lot to know that it made a difference for you. Wishing you all the very best, and please don’t hesitate to reach out if there’s anything else we can do.
Kind Regards,
Freedom Health Insurance
Brilliant service. Super easy to contact.
I have to say everyone at freedom have been amazing. Shannon and the rest of the team are fantastic. It’s quite rare to find a company in any field (never mind insurance) that are so easy to contact and deal with.
March 1, 2025
Unprompted review
Reply from Freedom Health Insurance UK
Hi David,
Thank you so much for your kind words and five-star review!
We are so pleased to hear that you have had such a positive experience with Shannon and the team. We will be sure to let them know you are happy with their level of service.
We take great pride in being approachable and easy to contact, so it's lovely to know that stood out to you.
If you ever need anything, please don't hesitate to contact us.
Kind Regards,
Freedom Health Insurance
Really helpful
March 25, 2025
Unprompted review
Reply from Freedom Health Insurance UK
Hi Natalie,
Thank you for your five-star review! We are really happy to hear you found our team helpful. If there's anything else we can do for you, just let us know – we are always here to help!
Kind Regards,
Freedom Health Insurance
Matt McGuire is absolutely the best
Matt McGuire is absolutely outstanding—efficient, responsive, and always quick to assist. A true superstar and an invaluable asset to Freedom. Highly recommended!
March 24, 2025
Unprompted review
Reply from Freedom Health Insurance UK
Hi Roni,
Thank you so much for your kind words and fantastic five-star review! We are so pleased to hear that Matt made such a positive impression. Your recommendation means a lot to us, and we will be sure to pass on your lovely feedback to Matt.
Kind Regards,
Freedom Health Insurance
I spoke to Sam Foster in Customer Service
I spoke to Sam Foster in Customer Service and he was very helpful and resolved my query on the call. I received an email of confirmation very shortly following our call. Thank you Sam
March 13, 2025
Unprompted review
Reply from Freedom Health Insurance UK
Hi Claire,
Thank you for taking the time to share your experience! We are so pleased to hear that Sam was able to help you and resolve your question efficiently. Providing excellent customer service is very important to us, and it's great to know that we provided you with that.
If you ever need any further assistance, please don't hesitate to reach out.
Kind Regards,
Freedom Health Insurance
Sam at Freedom Health helped me…
Sam at Freedom Health helped me navigate the LIVI private GP app , he was patient and really kind.
March 6, 2025
Unprompted review
Reply from Freedom Health Insurance UK
Hi,
Many thanks for your review! We are happy to hear that Sam was patient and kind whilst guiding you through our virtual GP app.
Thank you for trusting us with your health insurance needs. If you require any further assistance, please do not hesitate to reach out.
Kind Regards,
Freedom Health Insurance
In one word, AVOID!
You are wasting your money as they will very rarely pay out. They always come up with excuses why not to pay and you will see even this review they will justify... just trust me and don't waste your money rather don't have insurance at all! On every claim they explain you that it can be managed through the NHS! What a joke? That's exactly why I have insurance.. cancel your policy with them right now as you are 100000% wasting your money. If you don't cancel you will learn it the hard way.
Updated. Multiple doctors have confirmed that this does not qualify as a pre-existing condition and should be covered. However, Freedom insists otherwise. Additionally, when I submitted a claim for my newborn son—where the pre-existing condition argument was not applicable—they stated that the matter could be handled by my NHS GP instead!
February 12, 2025
Unprompted review
Reply from Freedom Health Insurance UK
Hi Yosef,
Thank you for your feedback. We understand that you are dissatisfied with your experience.
Claims are assessed using the available information and the applicable policy terms and conditions. We are unable to discuss individual circumstances publicly, but please contact us on 01202 756350 or at info@fhi.co.uk if you would like to discuss your concerns directly.
Kind regards,
Freedom Health Insurance
Health Insurance is a Waste of Money
Like all insurance companies, Freedom Health Insurance and its partners use all their resources to find reasons not to pay out on their policies.
Every claim I have made has been knocked back, or they have only covered a fraction of the cost.
The response is not accurate, your employees insisted that your insurance partner (AXA) had a previous agreement with my Physo where he set his rates at £50/40 per session. I disputed this as my physio told me he had no agreements with any insurer and logically he would never set his rates so low. Freedom Health Insurers dug their heels in insisting they were correct, it was only when I left a review that I was paid in full.
As I said insurance companies will try anything not to pay out.
February 7, 2025
Unprompted review
Reply from Freedom Health Insurance UK
Hi Paddy,
We appreciate your feedback and the opportunity to clarify how our claims process works. Our goal is always to provide fair and transparent reimbursement in line with the terms of each policy.
It does appear however that your review was left prior to full payment being reimbursed to yourself and to the clinic.
After reviewing your policy, we can see that initially, we processed your claim based on standard billing agreements with our partners. However, once it was confirmed that the physiotherapy clinic was not contractually bound by our billing partner, we reimbursed the full claim amount in accordance with our policy terms.
We strive to ensure that all valid claims are handled fairly and efficiently, and we are glad that your claim was ultimately covered in full. If you have any further questions or require additional clarification, our team is always available to assist.
Kind Regards,
Freedom Health Insurance
Despicable treatment of a customer
If you take out a health insurance policy with Freedom health, make sure you do not make any claims! What they will do, is authorise your claims, and then when it comes time to renew, refuse further cover as your policy is not making them money, or in their words is a poorly performing policy. I now have to open a new policy with a new provider, and lose the ability to claim for any existing conditions, all thanks to Freedom Healths greed. Beware they dont see you as a person they see you as a monetary figure and if you have the misfortune to have to use the policy (Which is what you buy it for) then they refuse to renew. Disgusting, and unprecedented behaviour. Oh I called to discuss this, and no manager was available to discuss. I was promised an AM callback from someone called Rob. Rob has yet to call, although I am not interested in discussing it over the phone now. Never in my life have I been treated so contemptuously! I would really warn against anybody taking out a policy with this company. Rather go with one of the more established brands that are big enough not to have to offload customers if they feel they arent financially viable!
January 16, 2025
Unprompted review
Reply from Freedom Health Insurance UK
Dear Tarryn,
Thank you for taking the time to leave your review. We are sorry to hear about your experience and want to sincerely apologise for any frustration or disappointment caused. At Freedom Health Insurance, we strive to provide a fair and transparent service to all our customers, and we take your feedback very seriously.
Regarding your specific situation, we fully understand that insurance is there to be utilised when needed, and that is what it’s designed for. We are committed to honouring valid claims and supporting our customers in their times of need. However, as part of our efforts to ensure the long-term sustainability of our policies, we occasionally have to make difficult decisions regarding renewals., particularly in cases where claim activity is significantly beyond the expected range of usage for the policy.
Please be assured that these decisions are never made lightly, but we must endeavour to balance the interests of all our policyholders and maintain affordability for the wider client base.
We understand your concerns about not being contacted by Rob and sincerely apologise for any confusion this may have caused. As per your request to no longer be contacted, we refrained from following up. However, we are more than happy to discuss your concerns further and clarify any misunderstandings.
We do value your feedback and if there’s anything we can do to assist, or if you’d like to discuss your experience in more detail, please don’t hesitate to reach out to us directly at info@fhi.co.uk or call 0800 999 2013.
Kind Regards,
Freedom Health Insurance
Hopeless company
Hopeless company. They make claiming for treatment difficult by sending unhelpful emails containing misinformation.
They don't pay the full cost of treatment meaning you have to subside them. What is the point of private insurance if you have to subside the company?
The response made by Freedom is factually incorrect.
November 4, 2024
Unprompted review
Reply from Freedom Health Insurance UK
Hi Andrew,
Thank you for your feedback.
Our authorisation communications explain the steps required for claims to be processed correctly. We also agree rates with selected providers to help manage claims costs and keep premiums affordable for our members.
We remain committed to providing clear information and support throughout the claims process.
Kind regards,
Freedom Health Insurance
Stephen Varga from Freedom Health has…
Stephen Varga from Freedom Health has been amazing, very rare these days as most people can probably appreciate
September 25, 2024
Unprompted review
Reply from Freedom Health Insurance UK
Hi Keith,
Thank you so much for your kind words! We are so pleased to hear about your positive experience with Stephen, he truly cares about helping our clients and is a real asset to the team.
Your feedback keeps us motivated to go above and beyond. If you ever need further assistance, don't hesitate to reach out!
Kind regards,
Freedom Health Insurance
Great Service
The service I received was quick, efficient, very personable and everything that was discussed was delivered.
September 4, 2024
Unprompted review
Reply from Freedom Health Insurance UK
Hi William,
Thank you so much for your kind words and 5-star review! We're thrilled to hear that you had such a positive experience with our service. Providing quick, efficient, and personable support is what we strive for, and it's great to know we met your expectations.
We're always here to deliver on our promise, and we truly appreciate your trust in Freedom Health Insurance!
Kind regards,
Freedom Health Insurance
Rubbish service
Rubbish service, have to chase every claim. Then take 30 days to pay from when you claim is processed. Only use this company if you're forced to in a work benefits package. Far better experience with AXA.
August 2, 2024
Unprompted review
Reply from Freedom Health Insurance UK
Dear Mr Hoyle,
Thank you for your feedback. We are sorry you feel this way about our service.
We aim to respond promptly and handle claims as efficiently as possible. Our teams regularly meet or exceed our service level agreements, and we remain committed to providing clear and timely support throughout the claims process.
If you would like to discuss this further, please contact us directly on 01202 756350 or at info@fhi.co.uk.
Kind regards,
Freedom Health Insurance
Good coverage and service
The representative that's taking care of my case is very professional, helpful, and responsive. The claim process is also very easy and straightforward. In general Freedom Health Insurance really has a good coverage.
August 1, 2024
Unprompted review
Reply from Freedom Health Insurance UK
Hi Jinjin,
Thank you so much for sharing your positive experience with us! We're thrilled to hear that we have met your expectations whilst handling your case. We strive to make the claims process as straightforward as possible, so it is wonderful to know that you found it easy to navigate.
If you ever need further assistance, please don't hesitate to reach out!
Great customer service.
Dealing with this company over the years has always been a positive experience.
Helpful.polite.with very good communication.based on our experience we would highly recommend this company.
May 15, 2024
Unprompted review
Reply from Freedom Health Insurance UK
Hi Gordon,
Thank you so much for your positive review! We're thrilled to hear that you've consistently had a great experience with our company. Providing helpful, polite, and effective communication is a top priority for us, and it's great to know that it has made a difference for you.
Your recommendation means a lot, and we're grateful for your continued trust in Freedom Health Insurance.
We're always here to assist you and look forward to continuing to serve you in the future.
Freedom
I have placed a large amount of business with Freedom over the years and cannot praise them enough.
One of the few providers that you get to speak to the same person for any queries rather than dealing with large or foreign based call centres and most importantly things get dealt with quickly and professionally.
Great products and great service
July 24, 2024
Unprompted review
Reply from Freedom Health Insurance UK
Hi James,
Thanks so much for your continued business and for taking the time to share your experience with Freedom Health Insurance. We're glad to hear that you've been consistently satisfied with our service and products. Providing personalised and efficient support is something we pride ourselves on, and it's wonderful to know that our efforts are making a positive impact.
Your feedback motivates us to maintain our high standards and keep delivering great service. If you ever have any questions or need assistance, please don't hesitate to reach out.
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.