VHI VHI Teachers Plan v Life First Plan Level 2

jobseekr1

Registered User
Messages
20
Hi folks,
Looking to get advice on comparable policies, and their Pros and Cons.
I have Teachers Plan and my wife has First Plan Level 2, and I am trying to weigh up what are our options upon the next renewal/best options etc.
The teachers plan is coming in at 1,367 net and my wife at 1,109 at the moment, but having contacted VHI by phone I am led to believe that if we make a joined/couple policy, there is no discount, is that correct? IE we just pay 2 x times the single policy?
As two reasonably healthy people, her policy (First Plan Level 2) appears to be better for day-to-day things with physio, covering doctors/physios etc, but mine (Teachers Plan) has better for hospital cover in the event of something serious happening.
I’ve read that certain insurers allow you to select options, and tailor make your policy, is this also the case with VHI, ie if you didn’t want optical cover, can you knock that off the policy to reduce the cost.
Are there any other alternatives close to those policies I’ve mentioned elsewhere, with other providers
 
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