Freedom Health Insurance UK Reviews 

127
•
TrustScore 3.5 out of 5

3.6

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Rated 5 out of 5 stars

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

Rated 1 out of 5 stars

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

Rated 1 out of 5 stars

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

Rated 5 out of 5 stars

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

  1. Health Insurance Agency
  2. also in
  3. Business Insurance Company
  4. Insurance Company

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

3.6

Average

TrustScore 3.5 out of 5

127 reviews

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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

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3.6

All reviews

(127)

25 reviews in the last 12 months

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Rated 5 out of 5 stars

The best possible service,I couldn’t…

The best possible service,I couldn’t recommend Freedom Health more!
I have been through a lot over the years and the staff at Freedom has always gone out of their way to make process easy and smooth. Calls get answered fast and dealt with promptly. When one is going through health issues it is a real blessing not to have to worry about admin.

7 January 2026
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hello,

Thank you so much for your lovely five-star review. We are really pleased to hear that our team has consistently been there for you and helped make things feel simpler during what can be a very difficult time. Removing stress and handling things quickly is exactly what we aim to do. Your recommendation means a great deal to us, and we truly appreciate you taking the time to share your experience.

Kind regards,

Freedom Health Insurance

Rated 3 out of 5 stars

Very hard to deal with and non sensical…

Very hard to deal with and non sensical rules regarding authorisation that ends up costing more in the long run. No reflection of no claims in fee setting for following year.

1 November 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hello,

Thank you for taking the time to share your feedback.

We note your comments regarding the authorisation process. Authorisation is in place to confirm that treatment falls within the terms of your policy and to help avoid unexpected costs later on.

We also note your observations about premiums and claims history. Premiums are reviewed annually and are influenced by a range of factors across the wider healthcare environment, rather than solely individual claims activity.

If you would like further clarification on your renewal, our customer services team is available on 01202 756 350, our team will be happy to speak with you directly.

Kind regards,

Freedom Health Insurance

Rated 4 out of 5 stars

A tolerable experience tarnished by the…

A tolerable experience tarnished by the lack of clarity when I had to make a claim. That being said, all is sorted now. I'll be sticking with Freedom and have suggested to friends and family that they consider Freedom when looking at their options.

18 December 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Dear Richard,

Thank you for your review. We recognise that clarity is essential when making a claim, and we are sorry you felt this was not as straightforward as it should have been. We are pleased this has now been resolved and really appreciate you sticking with us. Thank you for recommending Freedom Health Insurance to others; that genuinely means a lot to our team.

Kind regards,

Freedom Health Insurance

Rated 1 out of 5 stars

Been a client for five years

Been a client for five years. They take the absolute mick with premiums. No claims in past 12 months and goes up 20% a year. They entice you with low premium to start and then chuck it on after.

20 December 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Raphael,

Thank you for your feedback.

Premiums are reviewed annually to reflect changes in medical costs, claims trends across our wider membership, and developments in the health insurance market. We do not rely on artificially low introductory pricing that is later corrected through sharp increases; our approach is to price sustainably and consistently from the outset.

Your five years with us demonstrate this consistent approach to pricing over time, rather than short-term fluctuations linked to individual claims.

If you would like further clarification on your renewal, our customer services team is available on 01202 756 350 and will be happy to discuss this with you.

Kind regards,

Freedom Health Insurance

Rated 5 out of 5 stars

Really good customer service

Really good customer service. We had an issue with the standing order and they were very responsive and helpful.
Would recommend for sure.

4 August 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Adam,

Thank you so much for your five-star review! We're really pleased to hear that our team was able to resolve the standing order issue quickly and provide the support you needed.

Your recommendation means a lot to us! If there's anything else we can help with, we're always here to help.

Kind Regards,
Freedom Health Insurance

Rated 5 out of 5 stars

your service was super

your service was super, your help was extraordinary, your paying was excellent and even the communication.

17 July 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Joachim,

Thank you so much for your five-star review!

We're so pleased to hear you found our service efficient. It means a lot to know we made a positive difference, we're always here if you need us again!

Kind Regards,
Freedom Health Insurance

Rated 5 out of 5 stars

Knee surgery

I recently had to get knee surgery organised through Freedom and dealt with a lady called Desiree. My surgery booking required authorisation and I was given a deadline by the hospital of when I needed authorisation. Desiree totally understood my needs and assured me that they would do it in time despite it being the next day deadline. I logged in this morning to see everything that the hospital required and the date is locked in. Desiree is a real asset to the team and has such a calm demeanour which put me at ease. A real compliment to Freedom Health Insurance. Thank you so much team!

3 July 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Seb,

Thank you so much for your wonderful review.

We're so pleased to hear that everything was arranged smoothly for your knee surgery and that Desiree was able to provide the support and reassurance you needed. We completely agree, her calm, efficient approach makes her a real asset to our team, and we’ll be sure to pass on your kind words.

Wishing you a smooth and speedy recovery, and thank you again for choosing Freedom Health Insurance.

Kind Regards,
Freedom Health Insurance

Rated 5 out of 5 stars

Great service by Hayley Ryan

27 June 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Bhaveen,

Thank you for your kind review, we're so pleased to hear you had a positive experience!

If there's anything else we can help with, please don’t hesitate to get in touch.

Kind Regards,
Freedom Health Insurance

Rated 5 out of 5 stars

EXCELLENT SERVICE

I would like to thank Lynne Heath fro her kindness and immediate support with help sorting out payment etc. I would also like to thank the whole Freedom claims team who are always hugely sympathetic and there service is second to none!!

11 June 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Sarah,

Thank you for taking the time to leave a review. We are so pleased to hear that Lynne was able to support you and that our claims team have provided the care and service you needed. We will make sure your feedback is shared with the claims team.

If there’s anything else we can help with, please contact us.

Kind Regards,
Freedom Health Insurance

Rated 1 out of 5 stars

criminals

Works fine, since you just pay, but if you need their help, the help that they are obliged to, you get nothing, just silly reasons why they do not cover your treatment. A warning for everyone, not to choose this company!!!!!

12 September 2024
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Thomas,

Thank you for your feedback. We are sorry that the outcome did not meet your expectations.

Claims are assessed carefully using the available information and the applicable policy terms and conditions. Where cover is not available, we explain the reasons for the decision and provide information about the available next steps.

If you would like to discuss anything further, please contact us on 01202 756 350 or info@fhi.co.uk.

Kind regards,
Freedom Health Insurance

Rated 1 out of 5 stars

Poor experience

Wow, the pain in my knee is nothing compared to the ordeal of dealing with this only to see an osteopath. In my 20 years of experience with private health providers, this has been by far the most complicated one.

30 May 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Eyal,

We understand how important it is for things to feel clear and straightforward, especially when you are in pain.

Further information was provided to you directly, and we hope this helped to resolve the issue.

If you would like to discuss anything further, please contact us on 01202 756350 or at info@fhi.co.uk.

Kind regards,
Freedom Health Insurance

Rated 5 out of 5 stars

First class experience so far!!

Had a call with Sam earlier today and had an appointment booked working 30 mins. 1st class!!!

12 May 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Leane,

Thank you so much for the fantastic review! We’re delighted to hear you had a positive experience and that Sam was able to get everything sorted so quickly for you.

We’ll be sure to pass on your kind words to him. If there’s anything else you need, we’re always here to help!

Kind Regards,
Freedom Health Insurance

Rated 5 out of 5 stars

I had a straightforward amendment to…

I had a straightforward amendment to make to my policy details. Matt McGuire dealt with it swiftly and efficiently, keeping it simple as it ought to be. My amended policy arrived via email within minutes. Excellent

12 May 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Rob,

Thank you for taking the time to leave such a positive review! We’re really pleased to hear that Matt made the process quick and hassle-free for you. It’s always our aim to keep things simple and efficient, so it’s great to know we delivered.

We’ll be sure to pass on your feedback to Matt!

Kind Regards,
Freedom Health Insurance

Rated 5 out of 5 stars

5 Stars all the way for customer service

A true 5 star customer experience. Freedom Health customer service is exceptional. They respond fast on the web chat and not only help you with your immediate query they also explain what you need to do next to get the right help and care to make the best from your cover.

6 May 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Stephan,

Thank you so much for your 5-star review! We're delighted to hear that you had such a positive experience with our customer service team and you felt our web chat support was both fast and informative.

Providing clear, helpful support is exactly what we aim for, so your feedback means a lot to us!

Thank you again for providing your feedback.

Kind Regards,
Freedom Health Insurance

Rated 5 out of 5 stars

Holly

Holly, the customer service adviser was tremendous. She liaised internally and ensured that my claim was considered appropriately, after another adviser had earlier refused to accept the claim. Once accepted, Holly processed the administration very efficiently.
She renewed my faith in Freedom Health care

1 May 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Chris,

Thanks so much for taking the time to leave a review—we really appreciate it! We're delighted to hear that Holly was able to support you. It's great to hear she made a real difference, and we’ll definitely pass on your lovely feedback to her.

If there's ever anything else we can help with, please don’t hesitate to contact us.

Kind Regards,
Freedom Health Insurance

Rated 5 out of 5 stars

Holly - claims assessor

I would like to say thank you to Holly (claims assessor)
whenever I have had to call, Holly has not only been very efficient, her understanding and empathy to the caller is outstanding and very welcoming as the caller.

Thank you again to Holly

29 April 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Annette,

Thank you so much for taking the time to leave us a review! We're so happy to hear you have had a positive experience with Holly. Her efficiency, empathy, and welcoming approach truly reflect the values we strive for, and we’re so pleased she made a positive difference during your experience with us.

We’ll be sure to pass your lovely feedback on to Holly — it will mean a great deal to her.

Thank you again for taking the time to share your experience.

Kind Regards,
Freedom Health Insurance

Rated 5 out of 5 stars

Helpful, organised and cheery advisors.

Very helpful. The advisors are polite, quick and make it easy for the query to be resolved.

24 April 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Joseph,

Thank you so much for your kind words! We're really pleased to hear you found our advisors helpful— that’s exactly the experience we aim to deliver. We’ll be sure to share your feedback with the team. If there’s anything we can help with, please don't hesitate to contact us.

Kind Regards,
Freedom Health Insurance

Rated 5 out of 5 stars

Happy Customer

On-time appointments, friendly and helpful staff, comfortable waiting areas, nothing at all to complain about.

1 April 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Laura,

Thank you so much for your taking the time to leave a review! We’re really pleased to hear you had a great experience with us. Your feedback means a lot to the team and motivates us to keep delivering the best possible service.

If there’s ever anything else we can help with, please don't hesitate to contact us.

Kind Regards,
Freedom Health Insurance

Rated 5 out of 5 stars

Good product and helpful staff

A good product - especially the add on for dental, private GP and glasses

Staff are knowledgeable and helpful.

3 April 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hello,

Thanks so much for your feedback!

We're really glad you're happy with the level of cover and service we provide.

Please don't hesitate to contact us should you need anything!

Kind Regards,
Freedom Health Insurance

Rated 5 out of 5 stars

Richard Boxall and the team at Freedom

Had a mandibular replacement and was given support with understanding.

3 April 2025
Unprompted review
Freedom Health Insurance UK logo

Reply from Freedom Health Insurance UK

Hi Shreyas,

Thank you so much for taking the time to leave us a review. We're really pleased to hear you felt supported and well-informed during your claims process. Wishing you all the best with your recovery.

Kind Regards,
Freedom Health Insurance

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