Laya Simplicity would work out at €50 per person cheaper per year, with similar cover: €1,087.28 versus €1,143.66.
The real saving with Simplicity for you is that you are capped at two excesses per year.
If you look at this comparison sheet, you will see that if you have to go into hospital with your current plan the excess you have to pay e.g. the first €50, or first €100 is higher than with Simplicity. And if you have several hospital visits during the year e.g. 3-5, you could end up saving hundreds of euros with Simplicity by not having to pay further excesses.
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