Health Insurance Recommencing Private Health insurance

[Delber]

Hi

We are looking for some advice in relation to joining Private Health Insurance for a family of 4, previously had health insurance up to around 2012 or so.

2 Adults age 42

2 kids ages 5 & 7



Main needs would be good private hospital cover for procedures and tests with low enough excess and cover in public hospitals too

Day to day cover wouldn’t be a s important as we don’t really attend GPs too much

Our main concern would be at our age all the tests an checks that would be needed and if they are covered –

We are in the Galway area

Any help much appreciated

 

[snowyb]

Delbar,


Adult Options
The following 2 plans include 3 levels of hospital cover; public, private and hi-tech hospital cover.

1. Laya Simplicity Plan; price 1087pa; public, private and hi-tech hospital cover included, excess on admission for a stay 100x 2 max per year -
regardless of the number of private/hi-tech admissions. Day case excess 50 per visit. Good day to day cover - first 100 not allowed.

2. Laya Flex 250 Explore; price 949pa; public, private and hi-tech hospital cover included, private/hi-tech admission excess 250, day case excess
100 per visit.
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The following 3 plans include public, private and some Beacon hospital cover(Dublin);

1. Irish Life Health; price 950pa; public, private and Beacon cover included, admission excess 150 per stay, day case excess 75 per visit.

2. VHI PMI 40 15; Price 1009; public, private and Beacon cover included, admission excess 75 per stay or 50 per day case.

3. Glohealth Kick Off Plus; price 825; public, private and Beacon cover included, admission excess 300 per stay, day case excess 75 per visit.
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Childrens Options;
VHI have a half price childrens offer upto 31st October 2016, details as follows;
VHI allow children to be insured on their own, an adult is just named on the policy but only the children are insured.

1. One + Plan; price 137pa; public, private and hi-tech hospital cover. Excess 125 per private/hi-tech admission or day case.
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Regards, Snowyb