LCR will affect anyone aged over 34 taking out health insurance for the first time, and comes into force at midnight.
After that, they'll have to pay a loading of 2 percent of the gross premium, for every year past the age of 34.
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So a 50 year old buying the insurance for the first time would pay substantially more than a 33 year old.
Lifetime Community Rating aims to get people to take out private health insurance at a younger age, to help control premium inflation.
