Hi geriatric,
A similar plan to One Plan is called VHI PMI 37 13; PRICE 1011pa; Lower inpatient excess 100 vs 125 also lower outpatient excess 125 vs 250.
Alternative with Laya is called Simply Connect; price 999pa; or Laya Flex 175 Explore; price 899pa.
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Regarding VHI Healthplus Access(plan B), this plan has no inpatient hospital excess which means that there is no charge for any hospital admissions or day case procedures regardless of how many times in a year. A plan with no inpatient hospital excess is usually recommended
if a person has ongoing health conditions that may require several hospital admissions or day case treatment every year.
This plan also includes extra cardiac level 2 cover called a tavi procedure - this is valve surgery by keyhole if a person is not suitable for full open heart surgery.( *Note; this extra cardiac cover was only added to Plan B from 2012 onwards).
1. Alternative Options; The only alternative plan including the extra level 2 cardiac cover is called Health Plus Excess (old Plan B Excess)
This plan is identical to Plan B, except the only difference being an inpatient excess of 75 per hospital admission or day case; price 1598 per person.
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Alternative plans with NO level 2 cardiac TAVI cover. These plans have no inpatient hospital excess.
1. One Plan Extra; price 1349 per adult. Similar hospital cover, 80% orthopaedic cover, similar outpatient cover 300 excess.
2. Company Plan Extra Level 3; price 1480 per adult; Similar hospital cover, 80% orthopaedic cover, excellent outpatient cover 1 euro excess,
*Note; if either adult is over 50years, Vhi apply a waiting time for the outpatient cover only on this plan, they would have plan B outpatient cover
while waiting.
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Alternative plans; Similar hospital cover; NO level 2 cardiac TAVI cover; including a hospital excess.
1. Plan PMI 37 13; price 1011 per adult; good hospital cover (100 excess), limited outpatient cover (125 excess).
2. Plan PMI 36 13; price 1175 per adult; good hospital cover (75 excess), good outpatient cover ( 1 euro excess)
*Note; again if either adult is over 50 years, VHI apply a waiting time for the outpatient cover only on this plan, Plan B outpatient cover applies while waiting.
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There's plenty of alternatives on offer, at better prices, if it suits their individual circumstances and health needs.
Regards, Snowyb