Lower excess for two adults and one child

Glitterfairyhal

Registered User
Messages
1
Hi,
Health insurance is up for renewal on the 1st jan - would like to lower the excess if possible - without costing too much more. The excess amount we would have to pay at the moment strands at 500€ . Currently with Laya (flex 500 explore).
Any advice or suggestions would be greatly appreciated.
 
Hi Glitterfairyhal,

Adult Options;

The following plans are worth considering, including public and private hospitals;
1. Irish Life Benefit 2 plan; price 788pa; selected public and private hospitals covered, private excess 300 per admission and 150 excess per day case procedure. It is important to check both lists of hospitals to ensure they suit your location.

2. VHI One Plan 250; price 832pa; all public, private and Beacon hospital covered, private excess 250 x 2 max per year and 150 excess per day case procedure.

3. Laya Essential Health 300; price 895pa; all public, private and Beacon hospital covered. private excess 300 x 2 max per year and 125 excess
per day case procedure.

4. Irish Life Benefit plan; price 899pa; all public, private and Beacon hospital covered, private excess 200 per admission and 125 excess per
day case procedure.

5. VHI One Plan 150; price 927pa; all public, private and Beacon hospital covered, private excess 150 x 2 max for all admissions per year and 150
per day case procedure.

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For a lower excess, the following plans are worth considering;

1. VHI PMI 37 13; price 1075pa; all public, private and 3 hi-tech hospitals, private excess 100 per admission and day case procedure.

2. Laya Simply Connect; price 1100pa; all public, private and 3 hi-tech hospitals, private 150 x 2 max for all admissions per year. Day case
excess 50 per procedure. Good day to day cover 50% refund for gp visits, consultants, etc. up to 500 max per year.
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Child Options;
Note; VHI are best value at the moment for children and VHI are the only provider that allow children to be insured on their own. An adult is
just named on the policy but only the child/children are insured.

1. Start Plan; price 103pa; selected list of public hospitals covered; this list includes the 3 childrens hospitals in Dublin. Its important to check
out this list to ensure the hospitals covered suit your location.

2. One Plan Starter; price 119pa; all public hospitals covered.

Childrens hospitals deal with children upto the eve of their 16th birthday. From age 16 onwards they move on to the adult hospitals.
The following options include private and hi-tech hospitals if required.
1. One Plan 250; price 179per child; all public, private and Beacon hospital covered; private excess 250 x 2 max per year for all private
admissions and day case excess 150 per procedure.

2. One Plan 150; price 184pa; all public, private and Beacon hospital covered; private excess 150 x 2 max per year for all private admissions,
and day case excess 150 per procedure.

3. One + Plan; price 209pa; all public, private and 3 hi-tech hospitals covered; private excess 125 per admission and day case procedure.

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Regards, Snowyb
 
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