General question Renewal Laya Flex250 Explore

Discussion in 'Health Insurance and healthcare costs' started by Magheralane, Jan 2, 2017.

  1. Magheralane

    Magheralane New Member

    Posts:
    3
    Good evening
    We are a couple in our mid 60s. Our current health plan Laya Flex250 Explore is due for renewal at the beginning of Feb 2017 and are looking at our options. I recently suffered a stroke but should make a full recovery. I may also need some surgery on a knee. We would be grateful for any advice as it is not easy to compare the various suppliers. Regards
     
  2. snowyb

    snowyb Frequent Poster

    Posts:
    804
    Magheralane,

    The following 2 alternative Laya options are worth considering;

    1. Flex 175 Explore; price 953pa; same hospital as before, lower excess
    2. Control 300 Create; price 972pa; same hospital cover as before, excess 300 per private admission, extra cover for a private room in a private
    hospital, very good day to day cover, no waiting applies, 80 refund per consultant visit, 30 refund per gp visit etc.

    http://www.hia.ie/ci/comparison/step3?plan_ids=386|494|462&source=plans

    Regards, Snowyb
     
  3. Magheralane

    Magheralane New Member

    Posts:
    3
    Many thanks Snowyb. If cover is at least as important as price are we missing anything major with these policies? Regards
     
  4. snowyb

    snowyb Frequent Poster

    Posts:
    804
    The hospital cover is the same as Flex 250 Explore, no loss there. The difference relates to the excess amount which is only payable if you are
    admitted to a private or hi-tech hospitals or if you have a day case procedure in a private or hi-tech hospital. There is no excess payable in
    any public hospital.
    With Flex 250 Explore, the excess payable would be 250 per admission for a stay or 100 for a day case procedure.
    Flex 175 Explore, there is a lower excess of 175 per admission for a stay or 75 per day case.
    Control 300 Create, the excess is higher at 300 per admission for a stay or 125 per day case.

    The reason I included Control 300 Create is because it has extra day to day cover for gp visits, consultant visits, dental etc. Also it covers a private
    room in a private hospital.

    Both plans are cheaper in price.

    So overall there is nothing major missing with these policies, with a few extras thrown in.

    Regards, Snowyb
     
  5. Magheralane

    Magheralane New Member

    Posts:
    3
    Many thanks Snowyb for your help and speedy responses