Laya Flex 500 Plus Renewal

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ryan-neil

Registered User
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145
Hi.

Just looking for some advice on renewal. We are currently on the Flex 500 Plus plan and are up for renewal, last year we spent just over €400 on GP expenses with two kids and my partner, Due to the excess of €150 this means we will get €50 back. Given the renewal fee is €1900 we are planning to either increase cover to the choice plan which has an expcess of €1 and would have returned €300 to use resulting in a total cost of €2000.

The other option is to go for the Explore with no benefits at all for €1500 but the lack of emergency dental though it seems very specific is concerning.

Any recommendation, as for a family actively using GP services the Plus plan seems poor value due to the excess over Choice or Explore.

Thanks
 
ryan-neil,

There are a couple of different options to consider in your situation, which would maybe depend on who incurs the most gp visits. Is it mainly
the children or is it spread over all 4 of you or is one person in particular a more regular gp visitor than the others?

Best childrens option;
First of all, Laya have a good childrens offer starting 1st March 2016, with a choice of 7 plans, you pay for the first child and the rest of the children go free. The best option to go for, including good gp( 30 refund per visit), day to day cover including a 1 euro excess, is;

Flex 125 Choice; price 410pa, ( this will cover your 2 children) 3 levels of hospital cover included, private hospital inpatient excess 125, good day to day cover 1 euro excess, private day case excess 125.
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Adult Options; Option 1
Adults can be on different plans to children and can choose individual plans to suit their medical needs.
So, in your situation, there is the option to drop gp cover for the 2 adults, Flex 500 Explore, childrens as above.
Total family price; 661 + 661 + 410 = 1732
This would include gp refund 30 for each child visit. I wouldn't be put off a plan just based on 'emergency dental cover' not covered. If it matters
there is a second option.

Second Option
It would not be cost effective to go for Flex 500 Choice(955pa) for the 2 adults, just for gp visits. Extra cost overall compared to option 1 is 588pa
which would cover a lot of health expenses. The refund would not justify the extra cost involved.

However, if I was upgrading to a better plan, I would want more bang for my buck, in all areas of cover.
The Laya plan 'Control 300 Create' price 1039pa would have lower hospital excesses 300(inpatient) 125(day case), also full cover for a
private room in a private hospital, plus the extra day to day cover,1 euro excess, gp 30 refund per visit, consultant 80 refund per visit, dental cover included.
Total family cost 1039 + 1039 + 410 = 2488
or
Both adults could choose a different plan according to their needs, if you want.
Total family cost 1039 + 661 + 410 = 2110

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Plenty of food for thought, hope this helps.

Regards, Snowyb
 
Hi Snowyb.

Thanks a lot for your recommendations, it helped a lot and in the end we got a better plan for the same cost as last year
 
Hi am interested in the plan you got Ryan Neil as we are also due to renew from April 1st two adults 4 kids total being quoted to us by laya for same again is1977 euro.
that's first adult flex 500 explore - 661.50
second adult flex 175 explore-988.57
and four kids(three free) flex 125 explode -269.55
Credit cost 57.59
Total 1977
Any ideas? Last year it cost about 1450
 
Hi.

As Snowyb suggested we put the adults on Flex 500 explore and the Children on the higher plan, we also signed up to Primacare for 20 a month which gives us 8GP visits and Dental. (Works out at 30 per visit). Our youngest is covered under the free GP Scheme also but our preferred GP is not part of it. So in the end we spent 2000 again but this time we have improved cover for the kids, 8 GP visits we can use across the family.

For us the most important thing was having the hospital cover in private and high tech so we have the additional options, we can cover other days to day costs ourselves.
 
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