Hi Hill123,
Welcome to AAM.
Firstly, just to note there is a 52 week waiting time to serve before maternity cover is allowable under any health insurance plan for new
customers.
Regarding semi-private and private rooms, all the recommended plans fully cover both rooms in all public maternity hospitals( there are no
private maternity hospitals in Ireland).
Regarding cover for maternity consultant visits/scans/expenses etc, the maximum refund for any plan is 600 per year.
The following 2 plans cover 400 or 250 for maternity consultants. There are 3 plans with no cover for maternity consultant visits with full
hospital cover. Plus a further 2 plans with 450 cover for maternity expenses including consultant visits.
1. Irish Life Benefit Plan; price 899pa; all public, private and Beacon hospital covered; private excess 200 x 2 max per year for all admissions,
day case excess 125 per procedure. No excess to pay in any public hospital. Good maternity cover, full hospital cover, 250 cover can be used for consultant gynecologist, maternity scans, physio, ante-natal classes.
2. Irish Life Select Plus; price 952pa; selected list of public and private hospitals covered(including all maternity hospitals), private excess 150
per admission and per day case procedure. No excess to pay in any public hospital. A private room is fully covered in both public and private hospitals. Good maternity cover, full hospital cover, 400 cover can be used for consultant gynecologist, maternity scans, physio, ante-natal
classes.
3. Irish Life Benefit 2; price 788pa; selected list of public and private hospitals covered, private excess 300 x 2 max per year for all admissions,
day case excess 150 per procedure. No excess to pay in any public hospital. Full maternity hospital cover, no outpatient maternity consultant cover.
4. Irish Life Benefit 1; price 732pa; selected list of public and private hospitals covered, private excess 500 x 2 max per year for all admissions,
day case excess 150 per procedure. No excess to pay in any public hospital. Full maternity hospital cover, no outpatient maternity consultant
cover.
5. Laya Essential Health 300; price 895pa; all public, private and Beacon hospital covered. Private excess 300 x 2 max per year for all admissions,
day case excess 125 per procedure. No excess to pay in any public hospital. Full maternity hospital cover, no outpatient maternity consultant
cover.
[broken link removed]
The following 2 plans includes cover of 450 for outpatient maternity consultant visits plus full maternity hospital cover. Details as follows;
6. Laya Simply Connect; price 1100pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess capped at 150 x 2 max per
year for all admissions, day case excess 50 per procedure. Good day to day cover included, refund of 50% for gp visit, dental, non-maternity
consultant visits, etc - subject to a max refund of 500 per year.(50% of 1000 = 500).
Good maternity cover - full hospital cover and 450 maternity consultant visits cover (not subject to 500 limit for day to day cover) plus 325 cover
for other expenses.
7. VHI Company Plan Plus Level 1.3; price 1128pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 per admission
and day case excess 50 per procedure. Good day to day cover included, refund of 50% for gp visits, dental, physio, non-maternity consultant
visits etc - subject to a max refund limit of 1000 per year.
Good maternity cover, full hospital cover, 450 cover can be used for outpatient gp, consultant,midwife visits. Plus other maternity expenes.
[broken link removed]
Regards, Snowyb