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1 health insurance: perfectly formed

2 2 CONTENTS Welcome 03 Handpick your Healthcare Plan 04 The Finishing Touches 05 Benefits Table 06 Underwriting International Flexibility 3 The Corporate Advantage 4 Eligibility 5 Policy Limitations & Exclusions 5 How to make a Claim 6 Contact Details 8 FREEDOM WORLDWIDE BROCHURE 0/0/205

3 FREEDOM WORLDWIDE BROCHURE 0/0/205 WELCOME As more people work and live abroad, from both private and governmental organisations, healthcare provisions for individuals and their families are of paramount importance. It is essential to ensure that you have comprehensive insurance protection whilst resident abroad. Freedom Health Insurance is a private medical insurance provider offering innovative healthcare solutions for everyday needs. Our policies for individuals, families and businesses provide your health insurance benefits to suit all needs and financial budgets. Freedom Worldwide is an international medical insurance policy offering expatriates access to a range of private healthcare benefits. Furthermore, if you are a UK resident, you can seamlessly transfer back to Freedom Elite, our UK private medical insurance scheme, without loss of underwriting. Freedom Health Insurance provides a complete solution to your medical insurance needs. This brochure outlines the Freedom Worldwide plan benefits, how to customise your Policy and most importantly how to use your cover when you need it most. 3

4 4 HANDPICK YOUR HEALTHCARE PLAN Freedom Worldwide offers 5 levels of cover: Diamond (2,000,000 / /$) Cover for In-patient Accommodation, Surgeons Fees, Outpatient Surgery, Medical Practitioners Fees, Dental Benefits, Repatriation, Maternity, Accidental Death & Emergency Medical Cover. Platinum (,000,000 / /$) Cover for In-patient Accommodation, Surgeons Fees, Outpatient Surgery, Medical Practitioners Fees, Dental Benefits, Repatriation, Maternity, Accidental Death & Emergency Medical Cover. Gold (750,000 / /$) Cover for In-patient Accommodation, Surgeons Fees, Outpatient Surgery, Medical Practitioners Fees, Dental Benefits, Repatriation, Maternity, Accidental Death & Emergency Medical Cover. Silver (500,000 / /$) Cover for In-patient Accommodation, Surgeons Fees, Outpatient Surgery, Medical Practitioners Fees & Repatriation. Bronze (500,000 / /$) Cover for In-patient Accommodation, Surgeons Fees, Outpatient Surgery & Repatriation For full details see the Benefits Table. FREEDOM WORLDWIDE BROCHURE 0/0/205

5 FREEDOM WORLDWIDE BROCHURE 0/0/205 THE FINISHING TOUCHES You can personalise your Private Medical Insurance Policy with further options:. Areas of Cover Freedom Worldwide provides benefit for 3 areas: Europe Worldwide excluding USA Worldwide 2. Excess You can reduce your premiums by up to 40% by choosing an excess on your Policy. Excess per person, per year ( / /$) Premium reduction (%) 50 5% 00 0% 250 5% % % % % 3. Premiums You can pay your premium in Euros, Pound Sterling or US Dollar. Your benefit will be paid in the same currency. You can pay for your Policy: Monthly Quarterly Annually 5

6 6 BENEFITS TABLE Freedom Worldwide Diamond Platinum Gold Silver Bronze Maximum limit, per policy year 2,000,000,000, , , ,000 Currency / /$ / /$ / /$ / /$ / /$ A. In-patient & Day-patient Benefit 2 Hospital accommodation costs of a standard single en-suite room Nursing fees, medical expenses and ancillary charges 3 Prescription drugs and dressings 4 Operating theatre charges, surgical drugs and dressings 5 Surgeon s, anaesthetist s and consultant's fees. 6 Surgical appliances which form a permanent and integral part of the body, apart from neurostimulators and pacemakers as outlined in the exclusions. 7 Organ transplant surgical procedure in performing the following organ and/or tissue transplants: heart, heart/valve, heart/lung, liver, pancreas, pancreas/kidney, kidney, bone marrow, parathyroid, muscular/skeletal and cornea transplants. 300, , ,000 00,000 8 Oral surgical procedures as specified in our definition 9 Emergency dental treatment required to restore your oral health following a serious eligible accident that requires you being admitted to hospital. Please refer to the definition of emergency in-patient dental treatment. 0 Diagnostic tests, including pathology and radiology MRI/CT/PET scans 2 Physician and therapist fees including physiotherapy during an in-patient stay 3 Psychiatric treatment. 2 month waiting period applies. Fully covered up to a maximum of 28 days 0,000 for a maximum of 28 days 5,000 for a maximum of 28 days 4 Accommodation for one parent staying with an insured child under 6 5 In-patient cash benefit where treatment has been received and no charges have been made 00 per night, up to a maximum of 50 nights FREEDOM WORLDWIDE BROCHURE 0/0/205

7 FREEDOM WORLDWIDE BROCHURE 0/0/205 B. Additional Benefits Complications during childbirth cover for the following conditions that arise during childbirth and that require a recognised obstetric procedures: Postpartum haemorrhage and retained placental membrane. Complications of childbirth are only payable where the cover also includes a routine maternity benefit. In this case, complications of childbirth shall also refer to medically necessary caesarean sections. 2 month waiting period applies 0,000 5,000 2,500 2 Complications in pregnancy resulting from, abnormal presentation; ectopic pregnancy, miscarriage; missed abortion; pre-eclampsia, gestational diabetes or hydatidiform mole that arise during the antenatal stages of pregnancy. 2 month waiting period applies 3 Hormone replacement therapy Home nursing benefit. Immediately following or instead of an in-patient stay 3,500 2,000,500 5 Local ambulance C. Out-patient Benefit 2 Medical practitioners, specialist and consultants fees, prescribed medicines, drugs and dressings Diagnostic tests, including pathology and radiology 5,000 2,500,500 Covered to, Physiotherapy by a registered physiotherapist, when referred by a medical practitioner, specialist or consultant. ^ Physiotherapy is initially restricted to six sessions per condition, after which the treatment must be reviewed by the referring medical practitioner. Should further sessions be required, a progress report must be submitted to us, which indicates the medical necessity for any further treatment. Chiropractic, osteopathic, homeopathic, Chinese herbal medicine and acupuncture.^ Psychiatric treatment.* 2 month waiting period applies 2,000 ^Section C3 000 ^Section C4 000 * Section C5,000 # Section C6 200 ^Section C3 500 ^Section C4 500 * Section C5 500 # Section C6 200 ^Section C3 500 ^Section C4 500 *Section C5 500 # Section C6 00 Section C to C4 when following an in-patient surgical procedure for up to 90 days. No Cover 6 Routine health checks, including vaccinations # 300 No Cover 7 MRI/CT/PET scans 8 Out-patient surgery 7

8 8 BENEFITS TABLE (continued) D. Cancer benefit Oncology tests, drugs, consultant s fees including cover for chemotherapy and radiotherapy, when the treatment is aimed to cure the cancer 2 Treatment on an in-patient, day-patient or out-patient basis that maintains, monitors and provides relief of symptoms of cancer that is diagnosed as a chronic medical condition Covered within the limits specified in section E2 3 Palliative treatment and end stage medical care of cancer that has been diagnosed as terminal Covered within the limits specified in section F E. Chronic medical conditions benefit Treatment of an acute episode of a chronic medical condition where you have become medically unstable Covered within the limits specified in section A and C 2 Treatment that maintains, monitors and provides relief of symptoms, including palliative treatment of a chronic medical condition on an in-patient, day-patient or out-patient basis a lifetime limit of 50,000 a lifetime limit of 40,000 a lifetime limit of 30,000 a lifetime limit of 20,000 F. Terminal illness benefit Palliative treatment and end stage medical care of a diagnosed terminal illness a lifetime limit of 50,000 a lifetime limit of 40,000 a lifetime limit of 30,000 a lifetime limit of 20,000 G. Dental out-patient benefit Routine dental treatment - one annual checkup, including one annual scale and polish 2 Diagnostic tests such as x-rays 3 Clinically necessary dental treatment to restore your teeth and oral health, such as fillings, gum treatment, crowns, bridges, inlays and extractions. 4 Emergency out-patient dental treatment treatment received for the immediate relief of dental pain, including temporary fillings, limited to 3 fillings per policy period, and/or the repair of damage caused in an accident. The treatment must be received within 24 hours of the emergency event. This does not include any form of dental prostheses or root canal treatment 75% of 3,000 75% of,000 75% of Dental surgery to include extraction of teeth and root canal surgery 6 Orthodontic treatment for an insured person under 8 years of age only. 2 month waiting period applies. FREEDOM WORLDWIDE BROCHURE 0/0/205

9 FREEDOM WORLDWIDE BROCHURE 0/0/205 H. Medical evacuation & repatriation benefit Medical evacuation when an insured person is placed on a critical list or in our opinion, adequate treatment is not locally or if adequately screened blood is un in the event of an emergency. If a medical evacuation is eligible, we will evacuate the insured person to the nearest appropriate medical centre (which may or may not be located in the insured person s home country) or we will, where appropriate, endeavour to locate and transport screened blood and sterile transfusion equipment. The medical evacuation will be carried out in the most economical way having regard to the medical condition Accommodation after a medical evacuation if you are unable to travel after discharge If medical necessity prevents the insured member from undertaking the evacuation or transportation following discharge from an in-patient episode of care, we will cover the reasonable cost of hotel accommodation up to a maximum of 7 days, comprising of a private room with en-suite facilities. We do not cover costs for hotel suites, 4 or 5 star hotel accommodation. Hotel accommodation for an accompanying person is not covered. Economy class return airfare to country of residence Following completion of treatment, we will cover the cost of the return trip, at economy rates, for the evacuated insured person to return to his/her principal country of residence. The return journey must be made within one month after the eligible treatment has been completed. Where an insured person has been evacuated to the nearest appropriate medical centre for ongoing treatment, we will agree to cover the reasonable cost of hotel accommodation comprising of a private room with en-suite facilities. The cost of such accommodation must be more economical than successive transportation costs to/from the nearest appropriate medical centre and the principal country of residence. Covered in full when an in-patient or day-patient admission is needed 5 Economy travelling expenses of a companion We will cover the economy class travel, accommodation and economy class return airfare expenses for pre-authorised costs of a close business companion or the insured person s dependants having to accompany the insured person for an emergency medical evacuation, this benefit will only apply when the insured person is evacuated when placed on a critical list. 6 Repatriation of mortal remains the transportation costs of the deceased s mortal remains from the principal country of residence to the country of burial. Covered expenses include, but are not limited to, expenses for embalming, a container legally appropriate for transportation, shipping costs and the necessary government authorisations. Cremation costs will only be covered in the event that this is required for legal purposes. Costs incurred by any accompanying persons are not covered. All covered expenses in connection with the repatriation of mortal remains must be pre-authorised by us. 9

10 0 BENEFITS TABLE (continued) I. Compassionate emergency visit benefit Costs incurred by an insured person for an economy class return airfare from the principle country of residence to visit a close family member, up to the age of 70 years, in the event of a medical condition that results in that close family member being placed on a critical list, or his/her death. Limited to one return journey per insured person, per policy year. J. Maternity Benefit Only to Female members who are aged between 8 and 44. Cover only becomes for treatment received months after the Policy inception. Any medically necessary costs incurred during a routine, non-complicated pregnancy or childbirth, including hospital charges, specialist fees, the mother s pre and post-natal care and midwife fees. We will only provide cover for one 2D ultrasound scan in each trimester. New born care after a covered pregnancy we will provide cover for reasonable routine accommodation charges of your newborn. We will also provide cover for necessary examinations before discharge to include: a physical examination Vitamin K Hepatitis B vaccine BCG vaccine blood tests for PKU, congenital hypothyroidism and G6PD 2 Medically necessary c-sections Covered up to 7,500 Covered up to 5,000 Covered up to 2,500 Covered within the limits specified in section B Birth defects and congenital abnormalities Covered up to 20,000 Covered up to 5,000 Covered up to 0,000 New born accommodation when staying in hospital with the mother up to 0 nights K. Emergency Medical Cover (Outside Of Area) Cover for emergency medical treatment outside your area of cover Covered up to 50,000 Covered up to 40,000 for a maximum of 60 days Covered up to 30,000 for a maximum of 30 days L. Accidental Death Benefit Death of an insured person as a result of an accident 00,000 No Cover No Cover Please note: All limits above are per Policy year unless otherwise specified. FREEDOM WORLDWIDE BROCHURE 0/0/205

11 FREEDOM WORLDWIDE BROCHURE 0/0/205 UNDERWRITING Your policy is subject to different types of underwriting and we have explained what these mean to you. a) Full medical underwriting This is a type of underwriting where we ask you to complete a number of questions about your health. We will review this information and decide what cover we can offer you. If necessary we may ask your Medical practitioner to provide more information to help us do this. If you have any pre-existing conditions that may need treatment in the future, we will usually exclude it from the cover along with any condition related to it. If you agree to the policy terms we are offering you, any exclusion we apply will be shown on your certificate of insurance and will start from your commencement date. In some cases we will advise you that an exclusion can be reviewed at your request after a specific time period, after the policy has started. Please note that if we offer to review an exclusion, this does not automatically mean that the exclusion will be removed. With full medical underwriting new acute medical conditions arising after the start of your policy will be covered immediately subject to the policy terms and conditions. A fully medically underwritten policy does not cover medical conditions that you and your dependants already had prior to the policy commencement date, including any related conditions that have not been disclosed and accepted by us. It is essential that you give us all the information we ask for, even if you have symptoms that have not been diagnosed. If you don t, we will not pay any claim that you make in the future, or may even cancel your policy. If you are not sure whether or not to mention something, you should do so. Maximum age of entry is 70. b) Moratorium underwriting If you choose this underwriting option, you do not need to complete any questions concerning your health at the point of application, however, you will not be covered for any claims made in respect of pre-existing conditions during the first two years of the policy, for which you have received treatment and/or medication, or asked advice on, or had symptoms of whether or not diagnosed, during the two years immediately before your policy started with us. Conditions that arise after the policy commencement date, but are related to the pre-existing condition will also be excluded. We exclude any medical condition or related condition which: was foreseeable, manifested itself, you have experienced signs or symptoms, you have sought advice, or you have received treatment and/ medication, to the best of your knowledge, existed in the two years before the start of the insured persons cover. If you have: experienced symptoms, sought advice, required treatment, medication, or special diet, or, received treatment, medication, or special diet in the 2 years after the policy commencement date, then you will have to wait until you have completed a continuous 2 year period where you have not;

12 2 UNDERWRITING (continued) experienced symptoms, sought advice, required treatment, medication, or special diet, or, received treatment, medication, or special diet in order the medical condition or related medical condition will be considered for coverage. Maximum age of entry is 70. c) Continued Personal Medical Exclusions (CPME) underwriting If you have had previous medical insurance with another insurer and you were medically underwritten, you may be able to apply for a transfer to Freedom Health Insurance. We will ask you to complete a number of questions about your health and provide a copy of your certificate of insurance from the other insurer. If we agree to accept your application, any personal exclusions outlined on the insurer s previous certificate of insurance will also be applied to your policy with Freedom Health Insurance. Please note that the terms and conditions of your Freedom Health Insurance policy may be different to your previous insurance policy. Maximum age of entry is 70. d) Continued Moratorium (CM or Switch Moratorium) underwriting If you have had previous medical insurance with another insurer and you were underwritten on a moratorium, you may be able to apply for a transfer to Freedom Health Insurance. We will ask you to complete a number of questions about your health and provide a copy of your certificate of insurance from the other insurer. If we agree to accept your application, we will transfer your moratorium commencement date from your previous insurer to Freedom Health Insurance. Please note that the terms and conditions of your Freedom Health Insurance policy may be different to your previous insurance policy. For information on the moratorium underwriting, please refer to the moratorium explanation in point 2 above. Maximum age of entry is 70. e) Medical History Disregarded (MHD) We do not apply any personal medical exclusion to your policy as a result of pre-existing conditions. Maximum age of entry is 70. For more information please contact us on +44 (0) FREEDOM WORLDWIDE BROCHURE 0/0/205

13 FREEDOM WORLDWIDE BROCHURE 0/0/205 INTERNATIONAL FLEXIBILITY Freedom Worldwide & Freedom Elite In a world of increasing international trade, communications and corporation, moving and working abroad is increasingly more common. The provision of healthcare insurance for all expatriates and their families needs to be flexible, comprehensive, simple and cost effective. When based in the United Kingdom, a domestic private medical insurance plan is the obvious healthcare solution. If you decide to work or move abroad, you would need to replace this cover with an international medical insurance plan providing appropriate benefits. Ideally you would expect to transfer from your UK policy to an International policy when you move abroad and revert back to your UK policy when you return to the UK. This may not just be a complicated, costly and time-consuming process, but could also involve the loss of underwriting terms. This can mean starting a new policy with new terms, where any conditions that have arisen during your time spent abroad may not be covered. Freedom Health Insurance offers an innovative solution to this. Opt for Freedom Elite whilst residing in the UK as a comprehensive domestic medical insurance plan. When you move abroad, your cover can be easily switched into Freedom Worldwide, a comprehensive international plan. On return to the UK, your cover can revert back to your original Freedom Elite policy. This is subject to cover being in force for a minimum of six months. Transfers are acceptable on the renewal of your policy or at a six month period. No loss of underwriting. No change of insurance provider. No fuss. Freedom Worldwide & Freedom Elite a partnership perfectly formed. 3

14 4 THE CORPORATE ADVANTAGE Freedom Health Insurance Corporate Worldwide Policy offers an excellent range of benefits and the flexibility to choose a healthcare plan that suits all businesses. In this global marketplace, employee welfare and satisfaction is crucial to the development of any organisation. A comprehensive international medical insurance policy takes care of your employees when they work abroad and ensures their good health is maintained. Our versatile policies enable you to meet your company and your employees healthcare requirements. This also ensures that you only pay for the cover that is needed. We offer a very competitive pricing arrangement. Please contact us if you would like to discuss your options. Freedom Worldwide is the perfect choice for your international healthcare solutions. FREEDOM WORLDWIDE BROCHURE 0/0/205

15 FREEDOM WORLDWIDE BROCHURE 0/0/205 ELIGIBILITY This Policy is to persons (subject to age limitations) and their dependants in countries where the underwriter is legally permitted to transact Private Medical Insurance. This policy is not to citizens of the USA residing in the USA, those persons who are subject to exchange controls or where the purchase of this policy is illegal under local legislation. The minimum age at entry for a Policyholder is 8 years attained. In the case of an applicant being under the age of 8 years attained, a parent or guardian is required to sign the application form and will be considered to be the Policyholder and will be charged the 8 year old rate. No discounts will apply. The maximum entry age of an applicant varies depending on the chosen underwriting. We do not accept proof of posting an Application Form, Claim Form or premium payment as proof that we have received it. The issuance of the Policy Document and Certificate of Insurance is evidence that the contract is in force. We reserve the right to refuse an application. For Groups, eligibility is subject to our acceptance of the Worldwide Corporate Application Form, previous Certificates of Insurance (if applicable) and Worldwide Member Application form(s). POLICY LIMITATIONS & EXCLUSIONS There are exclusions you should be aware of under the Freedom Worldwide plan. Some examples of our exclusions are as follows: 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 (unless we have approved treatment relating to them). Cosmetic Surgery. Excess (Optional). Professional sports injuries. Self inflicted injuries. Sexual dysfunction. Weight loss surgery. For a full list of exclusions, please refer to our Policy Document. 5

16 6 HOW TO MAKE A CLAIM Before making a claim please read the policy document, including your table of benefits to see if you have the relevant coverage to you. If you have any questions concerning coverage, please call the international helpline.. Medical evacuations or emergency in-patient/day patient pre-authorisation In a medical emergency where you require admittance to a hospital or a medical evacuation, you or your representative must contact the International Claims Helpline immediately. 2. In/day-patient claims In-patient and Day-patient treatment will be paid direct to the medical practitioner, consultant, hospital or clinic. This means that you will not need to pay for any treatment unless you have an excess or co-payment on your policy, or the treatment is in-eligible, or your benefit has been exhausted. You must obtain pre-authorisation for any in-patient or day-patient treatment. Failure to pre-authorise treatment will result in services being paid at 50% of the costs incurred. Pre-authorisation process: The claims procedure will start at the time your medical practitioner refers you to a specialist. You must tell your medical practitioner that you wish to have private treatment. Contact the international claims helpline on +44 (0) A member of our claims team will take your details. Please have your policy number, as shown on your card, ready when you phone. We will then contact your medical practitioner and the hospital or clinic concerned to ensure arrangements are in place for your treatment. We will then confirm authorisation and the arrangements that have been agreed for your treatment. You will not need to complete any claim forms. Receive your treatment at the hospital or clinic. FREEDOM WORLDWIDE BROCHURE 0/0/205

17 FREEDOM WORLDWIDE BROCHURE 0/0/ Out-patient claims You must pay the hospital or clinic for your out-patient treatment. We will then settle the expenses that you have incurred, apart from any excess or co-payment, subject to your policy terms and conditions. If you need any help or advice, please contact the claims team on the numbers provided. You do not need to contact the international claims helpline for pre-authorisation. See your medical practitioner, therapist, specialist or consultant in the normal way. Settle your bill for the treatment you have received. Complete a claim form and ensure your medical practitioner, specialist or consultant completes section 8. Please note treatment by a therapist must be on referral from a medical practitioner. You can obtain a claim form by contacting the international claims helpline: Tel: +44 (0) or by downloading a claim form from: Ensure you send your fully completed claim form along with the original itemised invoice and an original receipt to the claims department. Send your claim to the claims department by post to the address shown in the Contact Us section. You must send the following items to make sure we can consider your claim: - A fully completed medical claim form. - The original itemised invoice(s). - The original receipt(s). - A copy of the prescription if medication forms part of the claim. 7

18 8 CONTACT DETAILS Contact us Freedom Health Insurance Bourne Gate 25 Bourne Valley Road Poole BH2 DY Tel: +44 (0) Fax: +44 (0) Web: Calls may be recorded for quality and training purposes. FREEDOM WORLDWIDE BROCHURE 0/0/205

19 FREEDOM WORLDWIDE BROCHURE 0/0/205 NOTES 9

20 Freedom Health Insurance Bourne Gate 25 Bourne Valley Road Poole BH2 DY Tel: +44 (0) Fax: +44 (0) Freedom Health and Freedom Health Insurance are trading names of Freedom Healthnet Limited. Freedom Healthnet Limited is authorised and regulated by the Financial Conduct Authority with the registration number Registered address: Bourne Gate, 25 Bourne Valley Road, Poole, BH2 DY. Company registration number:

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