Loadings will apply on health insurance policies that start after the 1st May 2015. From this date, anyone who takes out private health insurance at age 35 or over, who has never had health insurance in Ireland before or has had a break in their cover of more than 13 weeks, will pay a loading.
These are the only incidences where loadings apply.
The level of loading will depend on the age at which the person takes out private health insurance.