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This is a sentence out a government factsheet. I found it is difficult to understand:

"People who delay taking out hospital cover will pay a 2 percent loading on top of their premium for every year they aged over 30 when they first take out hospital cover."

The writer may intend to say that people who take out hospital cover after the age of 30 will have to pay 2% extra each year onwards. But the sentence structure is very confusing. My question is: is it I who misunderstood the sentence, or, is it a poorly structured sentence?
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Hi,

This is a sentence out a government factsheet. I found it is difficult to understand:

"People who delay taking out hospital cover will pay a 2 percent loading on top of their premium for every year they aged over 30 when they first take out hospital cover."

The writer may intend to say that people who take out hospital cover after the age of 30 will have to pay 2% extra each year onwards. But the sentence structure is very confusing. My question is: is it I who misunderstood the sentence, or, is it a poorly structured sentence?


It's not a good sentence. It's trying to say too much. Perhaps this.

"People who delay taking out hospital coverage will pay a loading fee on top of their premium when they first do it. This fee consists of 2% of the premium, multiplied by their age in years minus 30."

Clive


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PchuangThis is a sentence out a government factsheet. I found it is difficult to understand:

"People who delay taking out hospital cover will pay a 2 percent loading on top of their premium for every year they aged over 30 when they first take out hospital cover."

The writer may intend to say that people who take out hospital cover after the age of 30 will have to pay 2% extra each year onwards. But the sentence structure is very confusing. My question is: is it I who misunderstood the sentence, or, is it a poorly structured sentence?
Hi Pchuang,

You are right! How about this:

People who are older than 30 must pay 2% extra on top of their preminum for every year over 30 at the time of their application for health insurance.

What that means is illustrated below, assuming premimum is different for different age:

- age: 30, premimum: $200 / mo -> rate: $200/ mo
- age: 35, premimum: $300 / mo -> rate: $300 + ($300 x 2% x (35- 30)) / mo = $330 / mo
- age: 55, premimum: $500 / mo -> rate: $500 + ($500 x 2% x (55- 30)) / mo = $750 / mo
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Thanks, Clive. Your answer has confirmed my suspicion.
 Hoa Thai's reply was promoted to an answer.
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"People who are older than 30 must pay 2% extra on top of their preminum for every year over 30 at the time of their application for health insurance."

A much better one!