Freedom Health Insurance Review

Having taken Freedom Healthnet to an FOS complaint for a licensed drug and had it upheld they are now with holding payment for the subsequent operation on the basis that they need to check that the procedure was actually carried out - this is not in their policy as they are committed to payout on completion of the form completed by the consultant/surgeon on the information provided and accepted by them (all done)I had accepted that there would probably be a shortfall but that was aways my choice when I took out the policy, but I did not expect a huge delay or querying of this nature - it's 3 weeks now and no payment, op has gone ahead and no news from Freedom, except to say that they are finding out if the procedures went ahead.



I don't want to be doing a 'hatchet job' on Freedom as they have met (late payers) the chemo costs but with massive querying to the hospital (which really irritated them), it's all a great big hastle at a time when you least can deal with it.



To be fair it is probably ok for minor ailments - but of course you don't know what you will need to claim for when the moment comes.



The upgrade plus policy was not available when we took out our policies - or we would have had that - £100,000 does not go far for a cancer claim so be warned.