You can switch to any Laya plan mid-year and at renewal date next year you can consider all 3 providers.
The following 3 Laya plans are worth considering. Cardiac is fully covered in all public, private and 3 hi-tech hospitals including Blackrock Clinic,
Mater Private and Beacon hospital. The main difference between each plan relates to the private/hi-tech excess charge payable on admission
to a private or hi-tech hospital. There is no excess to pay in any public hospital.
Note; There is no excess to pay for cardiac surgery/treatment in the 3 hi-tech hospitals(all based in Dublin). Other private hospitals will charge
the excess according to each individual plan. Plan details as follows;
1. Flex 500 Explore; price 838pa; surgery including cardiac covered in all public and private hospitals with a 500 private excess to pay per admission. Day case excess 150 per procedure in a private hospital. Cardiac surgery fully covered, no excess to pay, in 3 hi-tech hospitals - Blackrock Clinic, Mater Private and Beacon hospital. No excess to pay in any public hospital.
2. Essential Health 300; price 895pa; surgery including cardiac covered in all public and private hospitals with a 300 x 2 max private excess to
pay per admission. Day case excess 125 per procedure in a private hospital. Cardiac surgery fully covered, no excess to pay, in 3 hi-tech
hospitals - Blackrock Clinic, Mater Private and Beacon hospital. No excess to pay in any public hospital.
3. Simply Connect; price 1100pa; surgery including cardiac covered in all public and private hospitals with a 150 x 2 max excess for all
private admissions per year. Day case excess 50 per procedure. Cardiac surgery fully covered, no excess to pay, in 3 hi-tech hospitals -
Blackrock Clinic, Mater Private and Beacon hospital. No excess to pay in any public hospital.
There is also good day to day cover on this plan - 50% refund on gp visits, dental, consultant visits upto a max total refund of 500 per year.
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Regards, Snowyb