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GMF Health is now part of HBF Health Insurance. Browse cover options. Existing members, recent changes explained.

What is Community Rating?

The Private Health Insurance Act 2007 prevents health insurers from charging a premium based on a person’s health or history of claims – this is called Community Rating.

Community Rating was developed by the Government to make sure that people with a higher level of claims are not disadvantaged – for example, if you have a history of health issues, this doesn’t mean you should pay a much higher premium. Private health insurance is there to cover everyone, whether you have a health condition or not.