With effect from 1st October 2019, Freedom Health Insurance is offering new individual clients the option to fix their premium for two years* when they take out a new Freedom Elite or Freedom Your Choice policy. The guarantee of a fixed premium for the second year gives your clients the reassurance their premium won’t rise at the end of the first year regardless of any claims made.

The second year’s premium will only change if:

• your client makes changes to the policy which result in a change in premium;
• your client changes their payment frequency from annually to monthly between the two policy years (meaning the 6% annual payment discount would be lost in the second year); and/or
• the rate of Insurance Premium Tax (IPT) changes.

There is no additional charge to take advantage of this option.

What happens to premiums at the end of the two-year period?

We will apply our standard single year increase to renewals at the end of the second year according to the pricing structure effective at the time. For more information about our pricing structure, please contact your Freedom account manager.

We have updated our quote system to make it easy for you to select this option from 1st October 2019 onwards. The terms and conditions attached to the offer are detailed below. If you have any questions, please feel free to contact us.

Regards,