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2-Year Fixed Premium Guarantee**

Choose the option to fix your health insurance premium for 2 years with all new Freedom Elite & Freedom Essentials policies. You can purchase online securely in minutes.

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What is the 2-Year Fixed Premium Guarantee?

With any new Freedom Elite or Freedom Essentials policy which has a start date before the 1st of January 2024, individual clients have the option to fix their health insurance premium for two years. With the 2-Year Fixed Premium Guarantee, we can help give you peace of mind that the cost of your health insurance plan won't increase at your first renewal, regardless of any claims made.

Why buy a 2-Year Fixed Premium policy?

Save money by locking in your health insurance price for 2 years.

Your premium won't rise even if you make any claims.

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

Buy your 2-Year Fixed Premium policy online

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The second year’s premium will only change if:

  • you make changes to the policy which result in a change in premium;
  • you change the 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.

**Terms & Conditions

  • The 2-year fixed premium option is available for new individual Freedom Elite and Freedom Essentials policies with a start date of 1st October 2019 until 31st of December 2023.
  • If any changes are made to the policy which result in a change to the premium, the amended premium will be held for the remainder of the fixed price period. 
  • A 6% discount will apply to each year if the full annual premium is paid in advance. If the client changes their payment frequency from annually to monthly between the two policy years, the 6% annual payment discount will be lost in the second year.
  • Any change to the rate of Insurance Premium Tax (IPT) will be included in the renewal premium following the change.
  • This option is based on two separate, consecutive 12-month contracts.
  • We reserve the right to withdraw this option for new business at any time and without notice.
  • Excludes company policies.

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