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    Laya Laya simplicity slight changes over last few months

    Click on “See detailed map” for that.
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    Health Insurance Are health insurers obliged to notify you of reductions to the cover provided?

    Check for a “Renewal Flyer” under “Your Policy Documents” and then “Date - Renewal Documents”.
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    Health Insurance Do Private Health Insurers cover the public bed charge?

    All Health Insurers cover the public bed charge for public hospitals for public wards, without an excess for health insurance plans (so cash plans not included). All plans work on having the hospital bill the insurer directly. The one exception I'm aware of was very cheap Glo Health plan that...
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    Health Insurance VHI Plan B vs Laya Simplicity

    Cheers. But still confused as HIA say Cardiac Procedures on those hospitals are fully covered, but I do see certain special procedures are subject to the excess so does Tavi come under that? Even with those excesses Laya Simplicity seems like the better plan as it's €500 - €900 cheaper than...
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    Health Insurance VHI Plan B vs Laya Simplicity

    The HIA website has a section in their comparison tool called "The Blackrock Clinic, the Mater Private and the Beacon Hospital, certain Cardiac Procedures" which had "Covered" for Laya Healthcare Simplicity and "90%" for VHI HealthPlus Access (Plan B). How is it possible to know that the Laya...
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    Laya April 2017 ~ Increase because of hospital charges for a service not provided

    You can give your health insurance details but still not sign away your rights to be treated as a public patient. That way your insurer will be charged the €80 nightly charge directly. If there is benefit to being treated as a private patient (e.g. private or semi-private room that you wouldn't...
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    Health Insurance Which Plan to Choose?

    Looks to be a combination of the fact the online discount only appears to be for January and February, and the annual premium is split over 11 monthly payments sometimes depending on when the purchase date falls compared to the Laya Direct Debit collection dates: 145.95 x 12 = 1751.40 163.53 x...
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    Bank sold house 60% of its value and pursuing owner for balance

    I'm with Bronte to be honest (and also don't understand Descarte's attacks on her either). The friend of OP borrowed money, failed to pay it back, had the securing asset taken off them and sold, and the bank is perfectly entitled to chase them for the difference as the house did not sell for...
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    Bank direct debit not taken- health insurer

    Not the best but mistakes happen. Especially with SEPA which made the whole process a lot more complicated. Any reason you couldn't make a payment in the meantime to save you getting the lump sum out in one go? E.g. By card or cheque?
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    Bank refusing to refund fraudulent debit card transactions - thief had pin

    I agree they were robbed. And I am sympathetic to that. But I'm struggling to see why this is the bank's fault and therefore why they should pay the money back? That would mean either the bank would lose out instead of the customer, or the shop keeper if the bank refused to pay them (though not...
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    Bank refusing to refund fraudulent debit card transactions - thief had pin

    I like chip and pin. I like being able to bank on my own time I like automated transactions. So it's not just the bank's driving this. Some of us customers want this too. We've no idea how the pin was discovered but, unless it was due to inadequate security by the bank, you can't really hold...
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    My new card and pin intercepted

    How are you sure your card and PIN were intercepted? Did you get the card and PIN or did they apparently never turn up? If so, did it look like the envelopes had been opened or tampered with? If not why aren't you having strong words with your tenants (though admittedly there's no proof they did...
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    Laya Switch Laya policy midterm to avail of cheaper excess?

    Not sure if that's general practice though. Can't imagine it would be or there would be no point in paying extra for a lower excess. So imagine it's at the insurers discretion.
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    Health Insurance HIA website: are all plans compared?

    Only shows current plans. This plan has been retired and is no longer available for purchase: http://www.hia.ie/news/laya-healthcare-will-discontinue-19-plans-31-december-2014 Your wife will be moved to another plan on her next renewal.
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    Lifetime Community Rating coming in on 1 May

    It's tax relief AT SOURCE so the health insurance company takes care of that for you. And still think that could be made clearer on the calculator to avoid this confusion - am sure you're not the only one confused by this :-)
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    Lifetime Community Rating coming in on 1 May

    Looks like Lifetime Community Rating loadings are applied to the gross premium. If your net premium is €1000 then that includes Tax Relief at Source (TRS) of €200 so your actual gross premium is €1200. Applying a 2% loading to €1200 gives you €1224 gross. Minus the €200 maximum TRS brings you...
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    Google Chromecast Versus Smart TVs

    Don't buy a TV for its Smart features. They're not very good. Handy for Netflix, YouTube (especially for small kids) and RTE Player but you could get same features and more with Chomecast as you say. A couple of years down the line your Smart TV won't run the latest versions required whereas a...
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    PhoneWatch Direct Debit Error

    Direct debits can only debit accounts as I understand it. So not possible to reverse an incorrect DD from the company side as they cannot credit an account. They could do a bank transfer but most companies not set up for this and resort to cheque instead.
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    New Broadband - Laptop will not connect correctly.

    Could try this: http://support.microsoft.com/kb/935222 Surprised this hasNt installed automatically - I don't know Vista but presume it auto updates like the other windows? Probably best to connect via cable and run Windows Update to download and install all the latest updates (hopefully...
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    New Broadband - Laptop will not connect correctly.

    Try deleting or "forgetting" the wifi network (usually under "Manage Wifi Connections" in the Network and Sharing screen) and then scan and try and connect again.
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