UK Private Health Insurance Review
Independent specialist insurer focused on flexible family pricing
Freedom Health Insurance Health Insurance Review & Prices 2026
One of few insurers charging for one child only on family plans
Published underwriting terms
Freedom Elite
5-year pre-policy look-back (Moratorium underwriting).
Official source: Freedom Health Insurance underwriting guidance · Last checked 4 October 2026.
Underwriting terms can vary by product and change over time. Your own policy certificate is the final authority.
Get a real quote
Prices shown are illustrative starting points only. Speak to an adviser or go direct for a real, personalised quote from Freedom Health Insurance.
Speak to an adviser →Prefer to go direct →By clicking “Speak to an Adviser” you'll be connected to UK Health Insurance, an FCA-regulated whole-of-market broker (FCA no. 312313). This is a free, advised service — they are paid by the insurer if you take out a policy, and we are also paid a referral fee. Learn more →
Who is Freedom Health Insurance best for?
Freedom Health Insurance Plans & Pricing 2026
Select your age band for indicative pricing
Showing typical 40s pricing — select your age above for a more relevant estimate.
Freedom Budget Health Plan
indicative 40s range
Excess: £250, £500
Freedom Comprehensive Health Plan
indicative 40s range
Excess: £0, £100, £250, £500
Indicative price ranges only. Based on 2026 market research for a healthy non-smoker with a £250 excess in an average UK postcode. Your actual quote will differ. Full pricing methodology →
Indicative price ranges only. Based on 2026 market research for a healthy non-smoker with a £250 excess in an average UK postcode. Your actual quote will differ. We may receive a referral commission when you take out a policy through a link on this site — this never affects the price you pay. Full pricing methodology & about us →
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Plan reviews
Freedom Budget Health Plan Review (2026): Pros, Cons & What's Included
Freedom Budget Health Plan review: pros, cons, price and what's included in this entry-level UK private medical insurance plan.
Freedom Comprehensive Health Plan Review (2026): Pros, Cons & What's Included
Freedom Comprehensive Health Plan review: pros, cons, price and what's included in this postcode-blind UK private medical insurance plan.