Is private health insurance community rated or risk rated?

In Australia, private health insurance is community rated not risk rated.

Community rated means a private health insurer must offer its policies at the same price irrespective of an individual’s risk factors, such as:

• age (except the Lifetime Health Cover Loading, a surcharge imposed by the Australian government, and the Age-based Discount, an incentive introduced by the Australian government)
• health status
• previous claim history
• how frequently a person needs healthcare.