Laya 2A + 2C : Laya Essential Plus Vs VHI One Plan Family

Novus

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So due for renewal on 01/12/2013

Currently have 2A + 2C on Laya Essential plus (Excess) renewal quote €3828.14

Spoke to a VHI rep today as my employer has an arrangement with VHI and asked for a recommendation for a good value plan at a similar level to the current one. She recommended One Plan family with a special half price kid’s offer and quoted €2274.5 for the 2A & 2C.

This level of price reduction seemed too good to be true so i did a comparison on the hia.ie website and to me the one plan family seems to provide a much lower level of hospital cover, or maybe i just don’t understand the comparison criteria?

We are based in Dublin and have no current medical needs/costs just the occasional GP's visit, my priority is to have good cover in the private and hi-tech hospitals just in case. Would anyone be able to shed some light on this, what would be a good plan for us that might offer some savings on the Essential plus plan which has increased by about €800 since last year.

Many thanks

Novus
 
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