Mr. Liam Sloyan:

It is important that there is competition in respect of the market for health care providers. We must be conscious of the importance of the insurer making sure an appropriate level of service is being provided. The insurer must manage the level of service being provided. In the health insurance market, there is a concept called supplier-induced demand, which occurs where suppliers are incentivised to provide services. In some cases, the level of service provided increases, reflecting the commercial incentives. It is up to insurers to manage the level of services being provided to make sure they are appropriate. If more services are being provided, it will affect the price level of premiums.