Written answers
Tuesday, 26 June 2012
Department of Health
Health Insurance
9:00 pm
Niall Collins (Limerick, Fianna Fail)
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Question 524: To ask the Minister for Health if bed re-designation will impact on the principle of community rating, particularly in terms of the numbers leaving private health insurance; and if he will make a statement on the matter. [30323/12]
James Reilly (Dublin North, Fine Gael)
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Community rating means that the level of risk that a particular consumer poses to a private health insurer does not directly affect the health insurance premium paid. It also means that premiums for younger or healthier lives are typically higher than their expected claims would require, whereas for older or less healthy lives, premiums are typically lower than the expected claims would require.
I am strongly committed to protecting community rating, whereby older and sicker customers should pay the same amount for the same cover as younger and healthier people and can confirm that any policy decisions taken with regard to bed designation will not impact on the principle of community rating.
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