Frilly Frocks,
For yourself based in Carlow, I would consider a plan that covers all the public and private hospitals only. The following 3 plans are worth
considering if you want to reduce hi-tech cover and day to day cover, details as follows;
1. Irish Life Benefit plan; price 965pa; all public, private and Beacon hi-tech hospital covered; private hospital inpatient excess is capped at 200 x 2
max per year for all admissions, day case excess 125 per procedure. No excess to pay in any public hospital. Limited day to day cover.
2. Laya Signify Plan; price 938pa; all public, private and Beacon hi-tech hospital covered; private hospital inpatient excess is capped at 250 x 2
max per year for all admissions, day case excess 125 per procedure. No excess to pay in any public hospital. Limited day to day cover.
3. VHI One Plan 250 plan; price 926pa; all public, private and Beacon hi-tech hospital covered; private hospital inpatient excess is capped at
250 x 2 max per year for all admissions, day case excess 125 per procedure. No excess to pay in any public hospital. Limited day to day cover.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
Parents Options
The ESB plan that your parents are on at the moment, fully covers a semi-private room in a hi-tech hospital. and also a private room in all private
hospitals, plus a private room in all public hospitals, which costs 2666 each. A similar plan with VHI would cost 3600 approx each VHI HealthPlus Premium. The main reason for having a plan like this is for using Mater Private a lot.
All other hospitals are covered on lower priced plans, including full cover for a private room in a private hospital.
The following 2 Laya plans are worth considering as alternative options, details as follows;
1. Laya Simplicity plan; price 1370pa; all public, private and 3 hi-tech hospitals covered, private inpatient excess is capped at 100 x 2 max per year
for all admissions, day case excess 50 per procedure. No excess to pay in any public hospital. Good day to day cover included, refund of 50%
for gp visits, consultants, dental, physio etc but the first 100 not allowed. There is full cover for hip and knee replacement surgery in all private
hospitals on this plan.
2. Laya Connect Simplicity plan; price 1367pa; all public, private and 3 hi-tech hospitals covered, private inpatient excess is capped at 150 x 2 max
per year for all admissions, day case excess 100 per procedure. No excess to pay in any public hospital. Good day to day cover included, 1 euro
excess, refund of 50% for gp, consultants, dental, physio etc upto a max refund of 1000 per person per year. There is full cover for hip and knee
replacement surgery in all private hospitals on this plan.
There is also a facility to transfer any unused day to day allowance over to your spouse. if both people are on this plan.
https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzE1NTQsMTIxMF0sInBsYW5zIjp7ImRhdGEiOltdLCJsb2FkaW5nIjp0cnVlfSwicGxhbnNTZWxlY3RlZERhdGEiOltdLCJhcHBsaWNhdGlvbiI6eyJ0b2dnbGVfc2Nyb2xsTG9jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==
Regards, Snowyb