How we regulate

The European Union "Third Non-Life Insurance Directive" sets out the requirements for the internal market for member states regarding non-life insurance, including health insurance. It allows individual member states to adopt these requirements in a manner most appropriate to their particular national legal systems and national healthcare systems.

The principal objective of the Authority in performing their functions under this Act is to ensure, in the interests of the common good, that access to health insurance cover is available to consumers of health services with no differentiation made between them (whether effected by income tax or stamp duty measures or other measures, or any combination thereof), in particular as regards the costs of health services, based in whole or in part on the respective age range and general health status of the members of any particular generation (or part thereof).

The Authority has produced a document which may be viewed as a Plain English guide to an insurer's responsibilities in implementing the Acts.

Compliance checklist January 2017
PDF 38.32 KB
Interpretation of ordinarily resident
PDF 54.75 KB
Guidance note on community rated health insurance contracts
PDF 160.75 KB