Information Circular No 16/2018: Lifetime Community Rating (LCR) – Members of the Permanent Defence Force

By Industrial Relations Officer

Since the 1st May 2015, if you are over the age of 34 when you first take out health insurance, you will have to pay extra for your cover under the Lifetime Community Rating (LCR) loadings.

It works out at an extra 2% of your premium for each year aged above 34, up to a maximum of 70%.

PDFORRA has been informed that an enabling S.I. is now being finalised to give effect to planned changes to the LCR scheme, on foot of enactment of the Health Insurance (Amendment) Act 2017.

The draft S.I. includes the specific provision in relation to members of the Defence Forces (Page5, Section(2A) (c)).

Please note that this provision will become effective from 1 September 2018. From this date onwards, persons leaving the Defence Forces can have their employment period considered as a credited period (against any LCR loadings that may ordinarily apply), providing health insurance is purchased within 9 months of leaving the PDF.

If health insurance is not purchased within 9 months, then this credited period will lapse and cannot be recorded against LCR loadings.


Issued on: 22/06/2018

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