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Freedom Healthnet : Freedom Worldwide SME

Company:	Freedom Healthnet
Product category:	International health insurance for small businesses
Sub-category:	Package product

Product profile

Description

Offers expatriates access to a range of private healthcare benefits
Most benefits are full refund, although some benefits have annual limits

For

Businesses insuring 3 to 100 people aged 18 to 75 (but 65 if not on full medical underwriting basis)

Core cover

In-patient and day-case hospital accommodation charges
In-patient and day-case nursing fees
In-patient and day-case medical expenses
In-patient and day-case ancillary fees
In-patient and day-case consultants fees
In-patient and day-case anaesthetists fees
In-patient and day-case specialists fees
In-patient and day-case physicians fees
In-patient and day-case therapists fees
In-patient and day-case medical practitioners fees
In-patient and day-case surgical appliances
In-patient and day-case prostheses
In-patient and day-case prescription drugs and medicines
In-patient and day-case diagnostic tests and procedures
In-patient and day-case X rays
In-patient and day-case MRI/CT/PET scans
In-patient and day-case physiotherapy
In-patient and day-case oncology
In-patient and day-case chemotherapy and radiotherapy
In-patient and day-case parent accommodation
In-patient and day-case organ transplant
In-patient and day-case psychiatric treatment
Local ambulance
Home nursing
Complications in pregnancy/childbirth
In-patient cash
Hormone replacement therapy
Chronic medical conditions
Terminal illness
Out-patient consultants fees
Out-patient specialists fees
Out-patient medical practitioners fees
Out-patient drugs,dressings and medicines
Out-patient diagnostic tests
Out-patient chiropractic treatment
Out-patient homeopathy
Out-patient Chinese herbal medicine
Out-patient osteopathy
Out-patient acupuncture
Out-patient psychiatric treatment
Out-patient routine health checks
Out-patient dental treatment
Medical repatriation
Compassionate emergency visit
Repatriation of mortal remains
Medical evacuation
Routine maternity
Birth defects and congenital abnormalities
New born accommodation
Accidental death
Emergency out of area medical cover

Note

On Bronze level only there is no cover for:

In-patient and day-case psychiatric treatment
In-patient and day-case organ transplant
Home nursing
Complications in pregnancy/childbirth
Hormone replacement therapy
Chronic medical conditions
Terminal illness
Emergency dental treatment
Out-patient psychiatric treatment
Out-patient routine health checks
Out-patient dental treatment
Routine maternity
Birth defects and congenital abnormalities
New born accommodation
Accidental death
Emergency out of area medical cover

On Silver level there is no cover for:

Out-patient dental treatment
Routine maternity
Birth defects and congenital abnormalities
New born accommodation
Accidental death
Emergency out of area medical cover

Note covered

Treatment outside the geographical area of cover unless for emergencies
Treatment not pre-authorised in advance
Care and/or treatment of drug addiction or alcoholism
Pre-existing conditions
Cosmetic Surgery
Professional sports injuries
Self inflicited injuries
Sexual dysfunction
Weight loss surgery

Options

3 areas of cover -Europe, Worldwide excluding US and Worldwide
Five levels of cover
Currency £, US$ or €
Excess
4 underwriting bases

Last updated: 21 October 2011

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