Best alternative option for 2 adults is Laya Simplicity plan; price 1087pa; same hospital cover as before, max excess 100 x 2 per year on admission to private or
hi-tech hospitals. Day case excess 50 per visit. Good day to day cover, first 100 not allowed or 200 excess per family.
[broken link removed]
VHI are best value at the moment for children and young adults, 3 levels of hospital cover included.
Child Options; 14 year old
1. VHI One + Plan; price 137pa; all public, private and hi-tech hospitals covered, excess 125, no day to day cover. Very good price and value -
the savings made will cover a lot of medical expenses.
2. Laya Simplicity plan; price 256pa; public, private(including private room) and hi-tech hospitals covered, max excess 100 x 2 per year, good day to day cover, 100 excess for day to day or 200 excess per family.
3. Laya Simply Connect; price 259pa(from 1/9/2016) public, private and hi-tech hospitals covered, max excess 150 x 2 per year, good day to day cover - max refund 300 per year, 1 euro excess.
4. Laya Simply Connect Plus; price 277pa; public, private and hi-tech hospitals covered, max excess 150 x 1 per year, good day to day cover -
max refund 500 per year, 1 euro excess.
5. Laya Control 150 Create; price 303pa;(from 1/9/2016); public, private and hi-tech hospitals covered, excess 150, good day to day cover, 1 euro excess, refund 30 per gp visit, 80 per consultant visit, etc.
6. Laya Control 150 Secure; price 324pa(from 1/9/2016); public, private and hi-tech hospitals covered, excess 150, good day to day cover, 1 euro excess, refund 40 per gp visit, 100 per consultant visit, etc.
[broken link removed]
19 yr old;
1. VHI PMI 12 11; price 349pa; public, private and hi-tech hospitals covered, excess 125 or 250. Some day to day cover.
2. VHI One Plan; price 388pa; public, private and hi-tech hospitals covered, excess 125. No day to day cover.
3. VHI PMI 35 13; price 429pa; public, private and hi-tech hospitals covered, excess 100, good day to day with 1 euro excess.
4. Laya Connectcare 150; price 473pa; public, private(including private room) and hi-tech hospitals covered, excess 150, good day to day cover
with a 1 euro excess.
5. VHI PMI 25 11; price 492pa; public, private and hi-tech hospitals covered, excess 75, very good day to day cover, with 1 euro excess,
40 refund per gp visit, 100 refund per consultant visit etc.
[broken link removed]
Note; children and young adults can be insured with VHI on their own if required, an adult is just named on the policy.
Above lists show a good selection of options across the range, starting with good hospital cover plans at very good prices. Then more options including day to day cover, allowing different levels of refunds for routine expenses.
Plenty of savings to be made, without compromising on cover.
Note; as your renewal date is 1st October 2016, there may be more price changes or offers for that date.
This new information, if any, will be shown on the 'latest news' section of the Health Insurance Authority website in the next week.
Regards, Snowyb