allencat3,
The only reason for staying with Simplicity plan, is if full cover for a private room in a private hospital is important to you.
A private room means single occupancy with ensuite private bathroom facilties.
Note; a single private is never guaranteed and is very often not available.
A semi private room means sharing a room with 2, 4 or 6 beds and sharing bathroom facilties.
If a private room is not that important to you, I would recommend considering Laya Simply Connect plan.
1. Laya Simply Connect Plan; price 1100pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech hospital excess 150 x 2 max per
year for all admissions, day case excess 50 per procedure. Note; there is no excess in any public hospital.
There is good day to day cover on this plan, with a 1 euro excess which means that a refund applies straight away for private consultant visits,
etc. The max refund per person is 500 per year.
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So, if a private room doesn't matter to you, there is savings of 260 in total for switching to Simply Connect. Also if you have private consultant
visits or other medical expenses, your refunds will be better than Simplicity because of the lower excess.
NOTE; Your husband has 14 days after renewal date to switch plans if he wants.
There will be a list of price changes and plans on the HIA website this week which will show any special offers for late December and January.
This will confirm your options if any, apart from Simply Connect. It will be worth checking these out before deciding.
Regards, Snowyb