Thermal insulation can be placed above ground-level concrete slabs when a building's heating is used intermittently. In comparison to insulating below the concrete slab. 

Overall, insulating floors above concrete slabs is a smart investment for homeowners looking to improve the energy efficiency, comfort, and overall value of their home.

Insulating floors above ground-bearing concrete slabs can help to reduce heat loss, improve energy efficiency, and increase comfort in your home. Here are some steps you can follow to insulate a floor above a ground-bearing concrete slab:

1. Clear the area: Clear the area of any debris, rocks, or other obstructions that may be present.

2. Prepare the surface: The surface of the concrete slab should be cleaned and levelled. Any cracks or unevenness should be filled with concrete.

3. Install a vapour barrier: Before installing insulation, it's important to install a vapor barrier to prevent moisture from penetrating the concrete slab. A polyethene or other suitable barrier material can be laid directly on the concrete.

4. Choose the insulation material: There are several insulation materials that can be used for floors above ground-bearing concrete slabs, such as rigid foam boards, spray foam insulation, or fibreglass batts. Make sure the insulation you choose has a suitable thermal resistance (R-value) for your climate zone.

5. Install insulation: Cut the insulation to size, and lay it on top of the vapour barrier. The insulation should be placed tightly together to prevent gaps.

6. Seal the edges: Seal any gaps or air leaks around the edges of the insulation using expanding foam, caulking, or sealant.

7. Install a subfloor: Once the insulation is in place, a subfloor can be installed. This can be a layer of plywood or oriented strand board (OSB) that is glued and screwed to the insulation.

8. Finish the floor: Once the subfloor is installed, the finished floor can be installed on top.

Insulating floors above ground bearing concrete slabs can be a challenging job, and it's important to take safety precautions when working with insulation materials. Wear protective clothing and a dust mask, and make sure to follow the manufacturer's instructions for installation. If you're not comfortable doing the work yourself, consider hiring a professional insulation installer.