Familyof3,
Yes, Santry Sports Clinic is covered with Laya, upto and including a private room fully covered on Simplicity or Connect Simplicity,
except for pre-existing conditions/illnesses. Pre-existing conditions/illnesses fully covered in a semi-private room. After 2 years, private room
fully covered for pre-existing illnesses.
Either Simplicity or Connect Simplicity are well worth considering. Same hospital cover on both plans. The difference between them is the
private excess amounts for admissions or day case procedures in private hospitals or hi-tech hospitals. Also the day to day excess.
Comparison as follows;
1. Laya Simplicity plan; price 1231pa; all public, private(including private room fully covered) + 3 hi-tech hospitals covered, private/hi-tech
hospital excess capped at 100 x 2 max per year for all admissions(regardless of how many). Day case excess 50 per procedure in private or
hi-tech hospitals. There is no excess to pay in any public hospital. Good day to day cover, refund of 50% for consultant visits, physio, gp, etc
but the first 100 not allowed.
2. Laya Connect Simplicity plan; price 1329pa; all public, private(including private room fully covered) + 3 hi-tech hospitals covered,
private/hi-tech hospital excess capped at 150 x 2 max per year for all admissions(regardless of how many). Day case excess 100 per procedure
in private or hi-tech hospitals. There is no excess to pay in any public hospital. Good day to day cover included, refund of 50% for consultant
visits, physio, gp etc with a 1 euro excess. There is no waiting regarding the 1 euro excess, cover applies straight away.
Note; as already mentioned, there is a 2 year wait (only for any pre-existing illnesses/conditions) for the extra cover which is; 'full cover for a private room in a private hospital'. This extra cover is allowed straight away for any new illnesses/conditions, no waiting applies.
If private room cover in a private hospital is not a priority, an alternative option to consider is Simply Connect plan.
Details as follows;
3. 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 (regardless of how many). Day case excess 50 per procedure. No excess to pay in any public hospital.
Good day to day cover included, 1 euro excess, refund of 50% for gp visits, consultants, physio, dental etc - subject to a max refund of 500
per year. (50% of 1000 = 500). No waiting on this plan as cover is similar as before.
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Teenagers Options
1. Laya Simply Connect Plus; price 280pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess capped at 150 x 1 max
per year for all admissions(regardless of how many). Day case excess 50 per procedure. No excess to pay in any public hospital.
Good day to day cover included, 1 euro excess, 50% refund for gp visits, consultant visits, dental, optical etc - max refund 1000 per year.
2. VHI PMI 07 10; Price 299pa; details in previous post.
If day to day cover is not important, Laya have a special offer for under 18s whereby you pay for 1 child and the rest are free.
Details as follows; (thats if they are under 18 years)
1. Essential Health 300; price 234pa(for all children), 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. All childrens hospitals are public but the Beacon hospital
Dublin offer a list of childrens surgery fully covered on this plan.
2. Essential Connect Family; price 250pa(for all children), all public, private and Beacon hospital covered. Private excess 300 per family for all
admissions and day case procedures. No excess to pay in any public hospital. All childrens hospitals are public but the Beacon hospital Dublin
offer a list of childrens surgery fully covered on this plan.
3. Flex 125 explore; price 343pa;(for all children) all public, private and 3 hi-tech hospitals covered, Private/hi-tech excess 125 per admission, day case excess 50euro per procedure. No excess to pay in any public hospital. All childrens hospitals are public, but the 3 hi-tech hospitals cover a range of childrens surgery fully covered on this plan. These hospitals are Mater Private Dublin, Blackrock Clinic Dublin and Beacon hospital dublin.
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Hope this helps, plenty to think about.
Regards, Snowyb