What is Lifetime Community Rating (LCR)?

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 above 34, up to a maximum of 70%. If you're already a laya healthcare member, these LCR considerations won't affect you.

If you don't have health insurance and wish to avoid the LCR loadings, we have a range of products available that will suit your needs.

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Cost of health insurance premiums for new subscribers – since 30th April 2015

Graph showing the benefits of LCR

It mounts up, doesn't it?

There’s a real saving if you take out your first health insurance before you turn 35. If you do, you don't have to pay any additional premium as you grow older and you’ll beat the loading effects of Lifetime Community Rating once you keep your cover in place.

If you already have health insurance, have had health insurance in the past but let it lapse or never had it before, we have a number of videos that will help explain everything you’ll need know about LCR here

We also have a detailed Frequently Asked Questions page located here  


When you first take out insurance:

If you're 34 or below, you won't have to pay any extra

If you're 37, you'll pay 3 years x 2% = 6% extra

If you're 54, you'll pay 20 years x 2% = 40% extra

If you're 69 or above, you'll pay 35 years x 2% = 70% extra