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:
- Children, where the premium must be no more than 50% of the adult rate.
- Full time dependent students under the age of 23, where the premiums may be reduced. The reduced premium must not be more than 50% of the adult premium.
- 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.