Hi Mar123,
Regarding your parents cover, here are a few alternative suggestions to consider;
These 3 plans have similar hospital cover as before, no hospital excess, but limited or no outpatient cover.
Laya Healthcare;
1. Healthcare Plus No Excess; adult price; 1003(1033)pa. Price in brackets include a 3% charge if paying by instalments
VHI Healthcare;
2. PMI 30 12; Adult price; 1104pa.
Glohealth;
3. Best Plan; Adult price; 1110pa.
www.hia.ie/ci/comparison/step3?198&277&314&335/
Company Care Plus is the best value plan, with outpatients and no hospital excess.
Regarding your own family cover, here are a number of options to consider;
Adult Options; 1. Similar hospital cover, no or limited outpatients.
Aviva; Level 2 Health Excess; price per adult; 904pa.
Glohealth; Better Plan; price per adult; 915pa.
VHI Healthcare; One Plan; price per adult; 943pa.
www.hia.ie/ci/comparison/step3?279&249&298&105/
Adult Options; 2. Similar hospital cover, including outpatient cover.
Aviva;
Health Plan 05; price per adult; 946pa.
Health Plan 06; price per adult; 980pa.
VHI Healthcare;
PMI 10 11; price per adult; 945pa.
PMI 14 11; price per adult; 1050pa.
LAYA;
Total Health Choice; price per adult; 1017pa(1047pa).
www.hia.ie/ci/comparison/step3?279&307&309&252&257&323/
Note; All these adult options could also be suitable for your parents if they don't mind plans with hospital excess.
A hospital excess only applies to a private or hi-tech hospital, it doesn't apply to any public hospital.
Childrens Options; 1. similar hospital, no outpatients.
Aviva; Level 2 Family Health; price per child; 228pa.
Glohealth; Better Plan; price per child; 230pa.
Laya; Essential Plus with Excess; price per child; 226pa(232pa) including 3% charge.
VHI; One Plan Choice; price per child; 244pa.
www.hia.ie/ci/comparison/step3?279&248&298&46&290/
Childrens Options; 2. similar hospital, including outpatient cover.
Aviva; Health Plan 05; price per child; 326pa.
Laya; Total Health Choice; price per child; 318pa(327pa) including 3% charge.
VHI; PMI 10 11; price per child; 341pa
www.hia.ie/ci/comparison/step3?279&307&323&252/
There are several cheaper alternatives to consider, hope you find suitable options.
Regards, Snowyb