What is the method of underwriting?
Private health insurance by Freedom Healthnet is underwritten on a Moratorium basis. This means that any medical condition that occurred during the five years prior to the inception of your Freedom private medical cover plan will be excluded for the first two years your policy is in force. Private medical cover excluded by the Moratorium may be re-instated later if the medical condition has not recurred for a continuous period of two years since the date it was last treated. Please refer to underwriting for a full explanation.
