John Moloney (Laois-Offaly, Fianna Fail)

No, they do not have to do so. If the companies are living up to their own standards by protecting the elderly, they clearly should not be tempted to pass that on. The bottom line is that I cannot say for definite. I presume that if a levy is added to existing charges to an insurance, the possibilities are that those charges will be passed on, or at least the temptation will be there to pass them on.