I have my private health cover (&partners) with Quinn. It will be coming up for renewal soon. I was disappointed to see that they are introducing this charge. The terms & conditions of this new credit agreement we need to sign are unbelievable. They charge almost 10% for this on motor insurance . Its disappointing and i hope that i can switch to VHI without similar conditions and for much the same price. As a pair of 24/5 years olds that dont smoke were getting a raw deal as it is!. I heard on a radio show Jill Kerby saying that given the age profile of the population that community rating has only 20 years or so to run due to the ever increasing proportion of elderly people. this means that as a25year old i am subsidising this greater risk category and by the time payback comes around it will be done away with. Why should elderly people not pay more? I pay a fortune for my car insurance and i dont see my neighbours asking to subsidise me...nor do i expect them to. How can community rating last in the long term?