Irish Life Health 2a 1c Aviva Level 2 Hospital €2,984 renewal 9th August

Hi all

I am hoping for some advice regarding my renewal. Currently am on Aviva Level 2 Hospital (2 adults, 1 child). Renewal is €2984.

I have looked at hia.ie and there are 2 plans from Laya Healthcare which seem to offer good cover - Health Smart and Teach Plus. There seems to be no copayment for orthopaedic procedures on these plans (which may be needed in the future).

I would appreciate any comments/advice as I have no experience of Laya (only VHI/Aviva) to date.

Hi Effervescent,

Welcome to AAM.

What is your renewal date?

Snowyb

Health Insurance Renewal

Hi Snowy

My renewal date is Friday. (I had forgotten as I only got an email reminder from Aviva which got lost in the midst of all the other emails!)

Thanks

Effervescent

Hi Effervescent,

There are a few alternatives to consider with all 4 providers, without compromising on hospital cover, and some with good day to day cover
at cheaper prices.

Option 1; Laya Healthcare; Adult Options;

Simply Health Excess plan; price per adult 1019(1049)pa - good hospital cover(125 excess) + good outpatient cover 50% refund for gp etc.
Note; prices in brackets include 3% charge if paying by instalments.

or
Connectcare; price per adult 990(1017)pa - new plan launching on Friday 9th August 2013 ( your renewal date) details of this plan will be
available to view on HIA.ie on 9/8/2013. This plan looks very promising, I'll be keeping an eye on this one myself for a few family members.
I'll post an update on Friday if its worth considering.

Just checked out Connectcare and it's highly recommended, better than Simply Health Excess. This will be ideal for my own family members.
Full details are included in the following link;

www.hia.ie/ci/comparison/step3?23&279&351/


Laya; Child Option;

Family Care plan; price per child; 212(218)pa - good hospital cover as before + good outpatient cover 50% refund for gp etc.

www.hia.ie/ci/comparison/step3?23&50/


Overall Family Price;
2adults x 1017 = 2034 Connectcare
1 child x 218 = 218 Family Care

Total family price; 2252pa



Option 2; VHI Healthcare; Adult Options;

Plan PMI 14 11; adult price; 1071pa - good hospital cover as before + good outpatient cover.

www.hia.ie/ci/comparison/step3?23&257/


Child Options; price reduction applies from 22 August 2013
Parents & Kids Excess plan; price per child 131pa - good hospital cover as before, no outpatient cover.

www.hia.ie/ci/comparison/step3?23&102/

Overall Family Price;
2 Adults x 1071 = 2142
1 child x 131 = 131

Total family price; 2273pa


For further options with Aviva and Glohealth, what age is your child? This may be significant for relevant offers.

Regards, Snowyb

Aviva - First Focus is another option - € 765 for an adult
Aviva - Health Plan 5 - € 945 for an adult.
Aviva - Family Focus is € 150 for a child over 5
Aviva - Level 2 Family Health is € 215 for a child aged to17

Glo - Child under 3 could be free

Vhi - Parents & Kids Excess is not an option or you will have to be off cover or cancel Aviva policy in cooling off period. Vhi do not let you change plans once policy is started