In both Submissions to the HIA the IMO recognised that even with an adequately funded Universal Health System there would always be a demand for Private Health Insurance (PHI) and reiterated IMO support for the principle of community rating in the PHI market as well as the need for robust regulation to support that principle. The IMO recommended that the same principles outlined in our Policy Position Paper on Universal Health Coverage should apply to the funding of healthcare through PHI. It was however pointed out that PHI does not offer satisfactory protection for poor people or high risk individuals and that any proposal that an adequately funded public universal health care system could be entirely substituted by PHI would raise concern among IMO members.