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If they want to stay with Vhi and keep the semi private room in Blackrock or Mater Private, Company Plan Executive or Company Plan Executive Excess - won't need to buy Health Steps Gold as cover for day to day is included in the plan. Health Premium was launched today and is an another...

This caused ripples in the US when Medicare took issue with Hospitals waiving shortfalls.

Hi Snowyb, You are correct, you did not say that Laya Healthcare do not have shortfalls in High Tech Hospitals in the post in question. However I did not purport that you did! What I took issue with was you stating that Laya Healthcare dont have orthopaedic shortfalls in Private Hospitals...

I'm afraid Macdo is correct Snowyb. Laya will always have shortfalls on Special Procedures in High Tech Hospitals except on their highest levels of cover. Firstly you state that Aviva & GloHealth have a €2,000 shortfall and that Vhi have a 20% shortfall on Special Procedures which is largely...

http://www.avivahealth.ie/member-info/claims/ [broken link removed] https://www.vhi.ie/claims/howto_claims.jsp#daytoday [broken link removed] depends on plan but look under "Making a Claim"

The price quoted on HIA is for a new customer.An existing customer pays a lowerprice.

Which part doesn't make sense? The prices on the hia website might be discounted between 0-10% for any of the plans but then again they might not. You are not going to know. eg all the business plans do not include this 10% discount but the insurer will decide if they will offer you any further...

The outpatient excess is €200 but there is no excess for day to day medical expenses. Aviva always pay out the higher amount of the two types claim. If you look at HIA website, vhi don't cover most of the benefits that are subject to outpatient excess. Vhi should be able to tell you the price...

The 3% charge should only be for the monthly charge not yearly. The price difference may have had something to do with an online offer and price via their call centre. The online discount is to stop people ringing the call centre. Call centre staff generally wouldn't want to entertain an...

You could have switched plan to give 25 physio visits and save €400 and stronger cover in the hi tech hospitals . Aviva give upto 16 physio visits for €100 on all their plans and then you could have claimed another €50 back on your plan if you have back or neck problems. Backup

Which plan are you on? Some plans already include the discount. You are doing well to get the same price as HIA. I know people who are paying more than the HIA price ! ie discount added back in. If you are getting a discount on a particular plan, it could be because you are not entitled to one...

Company Plan Extra or Company Plan Extra Level 2 are two options. Patrick

http://foi.gov.ie/is-there-a-fee/

3 days from receipt, a week at a push

The pre/post natal consultation benefit is the same for both we plan level 2 and level 2 hospital. The benefit applicable will be paid out in the same way. All 3 insurers state that receipts must be submitted within 3 months of renewal date. I would send them in and see what happens. Aviva don't...

Waiting periods are transferable even for pre existing conditions when you switch as long as it is same level of cover. There can be upgrade waiting periods where cover is enhanced.

Healthwise Plus No Excess would be more suitable for your parents than Simply Health Excess and more similar to Level 2 Hospital. The price on the HIA website is not the price that your parents would be charged though for Level 2 Hospital.

My previous post disappeared for some reason. There is currently an average 2 month wait in Cappagh for hip replacements as well as Croom and Kilcreene.

we

Depends, compare the plans on the hia website and any cover that is greater than previous cover will have an upgrade waiting period if you have a pre existing condition with laya or aviva. Vhi will have a waiting period on upgrades irrespective of whether there is a pre existing condition or...