Hi deranne,
Laya Assure Protect only covers public hospitals so if he needed surgery in a public hospital, he would be put on the public waiting list with
people without health insurance. It defeats the purpose of having health insurance in the first place.
It makes complete sense to have a plan with both private and public hospital cover.
Most consultants have a contract in a public and private hospital so he could be referred to the private hospital if necessary, to reduce waiting
times. If you know the consultants likely to deal with his medical issue, you can check out what hospitals need to be covered in advance.
Regarding your query re 'if he goes to gp, refers to private consultant who orders a ct scan would husband be transferred to a public waiting list?'
Usually when visiting gp and a referral is needed to see a private consultant, the gp would usually issue a referral letter also for the relevant scan
needed, before the consultant visit. This would mean that the person would bring the scan results with them on the consultant visit.
This is where your health insurance scan cover comes into play.
Assure Protect is a basic policy but it fully covers ct scans, mri scans in certain facilities.
For example, a CT Scan is fully covered in Affidea Tallaght with Assure Protect.
All Laya plans will have similar cover for ct, mri scans in these private facilities.
The following link to Laya healthcare shows the list of directly covered scan facilities all over Ireland with Laya.
You can choose a certain scan and a particular county to narrow the search.
https://www.layahealthcare.ie/hospitals/#/hospitals?view=scans&planID=105
If you have a scan in any other facility, you pay for the scan upfront and claim back a partial refund with your day to day expenses claim.
Note; some public hospitals may have a walk in scan facility for certain x-rays, while others depending on
type may have a waiting time and appointment system.
Irish Life plans cover CT Scans in Affidea Tallaght, Dundrum, and Northwood Santry.
VHI cover CT scans in Affidea Dundrum.
https://www.affidea.ie/insurance-partners/
Regards, Snowyb