Health Insurance Renewal Advice, parents and family

[Mar123]

Hi, It's that time of year again.I have always found the advice in relation to health insurance here invaluable, and as renewal dates loom, I would appreciate input regarding the following policies.

My parents, in their 60's are presently on VHI PMI 36 13, which is up the end of this month.

As a family 2A + 2C, our renewal date is in July, but would like to start looking at options. Adults are on VHI PMI 37 13, and one child is on VHI PMI 38 14 while the other VHI Company Plan.

Last year I felt VHI, offered best value, but am willing to change companies. Thanks in advance

 

[snowyb]

Mar123,

Parents Options;
Regarding options for your parents, alternative plan with VHI is Company Plan Plus Level 1.3, price 1158.
Note; this plan is identical to PMI 36 13, but the private/hi-tech excess is 150 per admission or per day case visit.
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Alternative plans with Laya Healthcare as follows;
1. Simplicity; price 1087pa; public, private and hi-tech hospital cover as before, max excess 100 x 2 per year, day case excess 50 per visit, good
day to day cover - first 100 not allowed. This plan also fully covers a private room in a private hospital.

2. Simply Connect Plus; price 1169; public, private and hi-tech hospital cover as before, max excess 150 x 1 per year, day case 50 per visit,
good day to day cover - max refund per year 500 per person.

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Adults Options
Alternative options for yourselves, with Laya Healthcare, as follows;

1. Simply Connect; price 1063pa; public, private and hi-tech hospital cover as before, max excess 150 x 2 per year, day case excess 50 per visit,
good day to day cover - max refund 300 per person per year.

2. Simplicity; price 1087pa; public,private and hi-tech hospital cover as before, max excess 100 x 2 per year, day case excess 50 per visit, good
day to day cover - first 100 not allowed. This plan also fully covers a private room in a private hospital.
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Child Options
Alternatives to Company Plan as follows;
1. VHI PMI 12 11; price 208pa; better hospital cover as before excess 125, day to day cover excess 150.
2. VHI PMI 11 11; price 225pa; better hospital cover as before excess 125, day to day cover excess 50.
3. LAYA Simply Connect; better hospital cover as before, max excess 150 x 2 per year, good day to day cover - max refund 300 per year.
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Alternatives to VHI PMI 38 14 as follows;
1. VHI Company Plan Extra Level 2; price 427pa. same hospital and day to day cover as before.
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2. Just to show what level of cover is available with Laya Healthcare at the same price as VHI PMI 38 14.

Empower Secure No Excess; price 505pa; full cover across the board for all hospitals, upto and including private room in hi-tech hospitals.
same day to day cover as before. This plan would be the equivalent to the top VHI plan E, but with better day to day.
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There's a few options to consider, with savings to be achieved without compromising on cover.
There may be further offers in the next few weeks, to watch out for, which will be shown on the hia website, 'latest news' section.

Regards, Snowyb

 

[Mar123]

Thanks so much snowyb, for taking the time, and such a detailed response. It definately gives plenty to focus on. Parents renewal is the priority at the moment, and Im keeping fingers crossed in relation to our own renewal dates that a few offers crop up. Health insurance seems to creep up and up every year.