Lumière SA issues a one-year health insurance contract, renewable each year. Under the clauses of the case, at each renewal date Lumière may reassess the policyholder's risk and set for the following year a price that fully reflects that risk; the policyholder is not obliged to renew. Lumière must decide whether the premiums of the following year enter the measurement of the contract at issue. Write a short note concluding on this, distinguishing rule, case facts and professional judgement.