General question best renewal option health insurance

Discussion in 'Health Insurance and healthcare costs' started by mar, Jan 2, 2017.

  1. mar

    mar New Member

    Posts:
    5
    Hi

    Renewal date is 1st Feb - 2 adults & 3 children under 18 - currently on Laya Flex 250 Explore - on looking at HIA - Laya Company Care with Excess looks like a very good option - am I missing anything obvious - as it looks too good to be true! Or is there any other policy suggestions?

    Mar
     
  2. snowyb

    snowyb Frequent Poster

    Posts:
    861
    mar,

    There is a pricing error on Company Care with Excess so thats not a valid option.

    Alternative options with VHI for the adults as follows;
    1. VHI PMI 44 16; price 1050pa; public, private and hi-tech hospital cover as before, lower excess 150, no day to day cover.
    2. VHI PMI 43 16; price 1136pa; public, private and hi-tech hospital cover as before, lower excess 150, and 50 per day case. Good day to day
    cover on this plan.
    http://www.hia.ie/ci/comparison/step3?plan_ids=386|697|701&source=plans

    Childrens half price option with VHI as follows;
    1. One + Plan; price 145 per child; public, private and hi-tech hospital cover as before, lower excess 125, no day to day cover.
    http://www.hia.ie/ci/comparison/step3?plan_ids=386|200&source=plans


    Alternative options with Laya for the adults as follows;
    1. Laya Flex 175 Explore; price 953pa; same hospital cover as before, lower excess 175. No day to day cover.
    2. Control 300 Create; price 972pa; same hospital cover as before, excess 300, extra cover for a private room in a private hospital, extra
    day to day cover; 30 refund per gp visit, 80 refund per consultant visit; etc.
    http://www.hia.ie/ci/comparison/step3?plan_ids=386|494|462&source=plans

    Childrens special offer with Laya as follows;
    1. Essential Connect Family; price 227 - just pay for 1 child and the rest of the children are free.
    Public, private and Beacon hospital cover. Excess 300 x 2 max per year for everyone on the policy.
    http://www.hia.ie/ci/comparison/step3?plan_ids=|386|394&source=plans

    Regards, Snowyb
     
  3. mar

    mar New Member

    Posts:
    5
    Many thanks Snowy for the comprehensive reply - I will look at those now

    Mar