Community Rating System

Community Rating is a system, where a person’s age does not determine the level of premium they pay. There are a number of exceptions namely:

  • From 1 May 2015, if you first buy health insurance at age 35 or over, an age at entry loading may apply to your premium.
  • Children, where the premium must be no more than 50% of the adult rate.
  • The premium for those aged 18-25 may be reduced.
  • Members of group schemes, where the premium may be reduced by up to 10%.
  • Pensioners who are members of restricted membership insurers may have their premiums reduced.