Hi Sam h,
There are several alternative options to consider without compromising on hospital cover, with added extras and at cheaper prices.
The Aviva plan Level 2 Hospital has no private hospital excess, so the first 2 suggestions have no private hospital excess.
A hospital excess doesn't apply to children as there are no private children's hospitals in Ireland.
Adult option;
LAYA HEALTHCARE; Company Care Plus plan; - identical hospital cover + extras + excellent day to day outpatient cover(75% refund).
Price per adult; 1201(1237)pa price in brackets includes 3% charge if paying by instalments.
Child option;
LAYA HEALTHCARE; Family Care plan; child(1+2)price 212(218)pa; child(3+4)price 179(185)pa - same hospital cover + good day to day outpatient cover(50% refund). Note; prices in brackets includes 3% charge if paying by instalments.
These reduced child prices will apply from 1/8/2013.
2 adults x 1237 = 2474
2 kids x 218 = 436
1 kid x 185 = 185
Total family price = 3095
www.hia.ie/ci/comparison/step3?23&198&50/
Adult option;
VHI HEALTHCARE; Company Plan Extra Level 3; adult price; 1280pa - identical hospital cover + excellent outpatient cover (details in hia link).
www.hia.ie/ci/comparison/step3?23&111/
Child option;
VHI HEALTHCARE; One Plan Choice; child price 244pa - same hospital cover + no outpatient cover.
or
VHI HEALTHCARE; Plan PMI 14 11; child price 370pa - same hospital cover + good outpatient cover.
www.hia.ie/ci/comparison/step3?23&290&257/
2adults x 1280 = 2560
3 x 244 = 732
Total family price 3292
There are also a number of alternative plans with a hospital excess at cheaper prices, some with good outpatient cover, some without
outpatient cover, with all 4 providers as follows;
Adult plans with good outpatient cover as follows;
VHI; PMI 35 13; adult price 1060pa. New plan, details will be on 1/8/2013.
AVIVA; Health Plan 06; adult price 980pa
LAYA; Simply Health Connect; 960pa(987) price in brackets includes 3% charge if paying by instalments.
GLOHEALTH; Better Plan Excess Cash; 999pa. New plan, details will be on HIA.ie on 1/8/2013.
www.hia.ie/ci/comparison/step3?23&309/
www.hia.ie/latest-news/latest-news/
Child plans with good outpatient cover as follows;
VHI; PMI 35 13; child price 375pa. New plan, details will be on HIA.ie on 1/8/2013
AVIVA; Level 2 Health Excess with day to day; child price 344pa.
LAYA; Family Care; child(1+2) price 212(218)pa; child(3+4) price 179(185)pa - note: prices in brackets include 3% charge if paying by instalments.
GLOHEALTH; Better Plan Excess Cash; 272pa. New plan, details will be on HIA.ie on 1/8/2013.
www.hia.ie/ci/comparison/step3?23&251&50/
www.hia.ie/latest-news/latest-news/
Adult plans with NO outpatient cover as follows;
VHI; One Plan; price 943pa
AVIVA; Level 2 Health Excess; price 904pa
LAYA; Health Sense Connect; price 920(947) includes 3% charge by instalments. Details of this plan will be on HIA.ie on 1/8/2013.
GLOHEALTH; Better Plan; price 915pa
www.hia.ie/ci/comparison/step3?23&105&249&298/
www.hia.ie/latest-news/latest-news/
Child plans with NO outpatient cover as follows;
VHI; One Plan Choice; child price 244pa.
AVIVA; Level 2 Family Health; child price 228pa.
LAYA; Family Care; child(1+2) price 212(218)pa; child(3+4) 179(185)pa - note: prices in brackets include 3% charge if paying by instalments.
GLOHEALTH; Better Plan; child price 230pa.
www.hia.ie/ci/comparison/step3?23&290&248&50&298/
There are plenty of savings to be made without compromising on hospital cover.
You can mix and match from the above suggestions, with the same company.
Children can be on different plans to adults.
In fact you could choose different individual plans for each person if required - example outpatient cover for some, not for others if you want.
Hope I haven't provided tooo much info.
Regards, Snowyb