Explanatory note

Section 18 of the Disability Discrimination Act 1995 (which applies in Northern Ireland by virtue of section 70(6) and Schedule 8 thereof) applies where an insurer enters into arrangements with an employer under which the employer’s employees or a class of his employees receive or are given an opportunity to receive insurance services of a prescribed description provided by the insurer. It makes disability related discrimination by an insurer against an employee unlawful. These Regulations prescribe Group Insurance as defined in regulation 2 as an insurance service for the purpose of the section.