TERMIUM Plus®

The Government of Canada’s terminology and linguistic data bank.

COMMUNITY-RATED INSURANCE [1 record]

Record 1 2004-05-19

English

Subject field(s)
  • Health Insurance
  • Life Insurance
DEF

[A type of insurance] charging each enrollee in a region the same premium for a particular level of coverage, regardless of individual characteristics affecting probability of loss.

CONT

An alternative approach to a universal health care scheme funded by taxes is to develop a government subsidised, community-rated, universal insurance pool. All citizens would contribute (their contributions would amount to the equivalent of a tax), and there would be no discrimination on the basis of individual health conditions.

Key term(s)
  • community rated insurance

French

Domaine(s)
  • Assurance-maladie
  • Assurance sur la vie
OBS

[Le] gouvernement expose ses plans en vue de renforcer la concurrence sur le marché de l'assurance-maladie privée et aborde une variété de questions réglementaires et notamment les principes de tarification universalisée («community rating»), d'adhésion non discriminatoire, de compensation des risques ainsi que la mise en place d'une Administration de l'assurance-santé.

OBS

En Irlande, le «Health Insurance Act» (1994), entré en vigueur le 28 mars 1996, définit les trois grands principes à respecter par tous les assureurs dans le cadre de l'assurance-maladie volontaire : mutualisation des risques (community rating), obligation d'acceptation de tous les risques, couverture viagère.

OBS

La personnalisation des risques (experience rating) est écartée au profit de la péréquation des risques (community rating).

Spanish

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