Hi Deirdre52,
Welcome to AAM. Just to confirm the price for Health Plus Extra, from 1st November 2015, will be 2280 per adult. All prices quoted below include increases if applicable from 1 November 2015.
This plan includes 100% Level 2 cardiac cover called a TAVI procedure - which is specialised valve replacement surgery by keyhole, only if a person is otherwise not suitable for open heart surgery. This is subject to strict criteria.
The only alternative cheaper plans that also have this cover (90% tavi cover) with VHI are as follows;
1. Healthplus Access (Plan B); price 1858 per adult; similar hospital cover as before(no hospital excess), some outpatient cover(300 excess)
2. Healthplus Excess (Plan B Excess); price 1632 per adult; similar hospital cover includes a private hospital excess, 75 euro, this is payable for every private or hi-tech hospital admission or day case. Some outpatient cover (300 excess).
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Alternative plans with no Tavi cover, with similar hospital cover, no private hospital excess as follows;
3. One Plan Extra; price 1391 per adult; similar hospital cover(no hospital excess), limited day-to-day cover.
4. Company Plan Extra Level 3; price 1565 per adult; similar hospital cover(no hospital excess), excellent day-to-day cover(1 euro excess).
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5. NEW PLAN PMI 42 15 ( from 1/11/2015); price 1560pa; similar to Company Plan Extra Level 3.
http://www.hia.ie/news/vhi-launch-3-new-plans-pmi-40-15-pmi-41-15-and-pmi-42-15-01112015
NOTE; The above plans 1 & 2 + Healthplus Extra(your current plan) have 90% orthopaedic cover in private and hi-tech hospitals,
plans 3, 4, 5, 6, 7 & 8 have 80% cover.
However, the hi-tech hospitals Mater Private Dublin and Blackrock Clinic are waiving the shortfalls for these surgeries ( hip and knee replacement).
So in effect, there is 100% orthopaedic cover in these 2 hospitals for all plans 1 to 8 inclusive.
There are cheaper options with VHI, with no TAVI cover, including a private hospital excess;
A private hospital excess is payable to the hospital for every admission or day case, it does not apply to any public hospital.
6. Plan PMI 37 13; Price 1011 per adult; similar hospital cover including 100 euro excess, limited day to day cover.
7. Plan PMI 36 13; price 1175 per adult; similar hospital cover including 75 euro excess, good day to day cover.
8. Company Plan Extra Select; price 1187 per adult; similar hospital cover 100 excess, limited day to day cover.
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Details of the new prices from 1st November 2015 as follows;
http://www.hia.ie/news/vhi-price-changes-01112015
Lots of alternative options to consider, plenty of savings without compromising on cover.
Regards, Snowyb