VoiceofReason,
VHI Company Plan Executive Excess means that your in-laws have unlimited access to the hi-tech hospitals Blackrock Clinic and Mater Private,
in a semi-private room.
There are 2 cheaper alternative options with Laya healthcare to consider, first option including day to day cover, second option with limited day to day cover. Both plans have extra cover for a private room in the hi-tech hospitals. Details as follows;
1. Laya Empower 150 Create; price 3219pa; public, private and hi-tech hospitals covered for a private room, excess 150 per admission or day case. Good day to day cover, 1 excess, slightly less than before.
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2. Laya Empower 150 Connect; price 3107pa; public, private and hi-tech hospitals covered for a private room, excess 150 per admission or day
case. Limited day to day cover.
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In order to achieve savings, another VHI plan worth considering is plan 'PMI 42 15; price 1740pa.
Regarding hi-tech hospital cover - cardiac, orthopaedic and a fairly extensive list of other surgery and procedures are fully covered in a semi-private room. There is no excess for admissions or day case on this plan.
Note; it is hard to get specific information regarding this list from VHI.
The 2 hi-tech hospitals fully cover orthopaedic surgery ie hip or knee replacement on this plan, regardless of having 80% cover, they don't pass
the shortfall onto the patient.
Day to day cover is similar to their current plan.
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Maybe, even if one person switches to this plan, depending on their health issues it could be an option to significantly reduce costs.
Regards, Snowyb