Hi Music,
As your renewal is immediate you will avoid the next round of price increases with all 4 providers from 28 March to 1 April 2013.
Here are a few suggestions with all 4 companies:
VHI Healthcare
ADULT OPTIONS;
1. Plan PMI 10 11; Price per adult; 945pa - this plan is identical to your previous plan Company Plan Plus Select, with some outpatients.
2. Plan PMI 12 11; price per adult; 865pa - good hospital cover, outpatient cover with 150 excess.
www.hia.ie/ci/comparison/step3?104&252&256/
KIDS OPTIONS;
1. One Plan Choice; Price per child; 244pa - public,private + hi-tech hospital cover,no outpatient.
2. One Plan Starter; Price per child; 200pa - public cover only, no outpatient.
www.hia.ie/ci/comparison/step3?104&103&290/
LAYA HEALTHCARE
ADULT OPTIONS;
1. Total Health Choice; Price per adult; 874(900) - public,private + hi-tech hospital cover, good outpatient cover 50% refund.
www.hia.ie/ci/comparison/step3?104&323/
KIDS OPTIONS;
1. Essential First; Price for child 1+2 195(200) child 3=185(190) - public hospital cover, No private,cardiac hi-tech hospital, limited outpatients.
2. Essential Connect; Price for child 1+2 219(225) child 3=196(200) - public,private and full hi-tech hospital cover, limited outpatients.
3. Simply Health Starter; Price per child 1+2 253(260) child 3=229(235) - public hospital cover and good outpatient cover 50% refund.
www.hia.ie/ci/comparison/step3?104&285&282&278/
Note; prices in brackets include a 3% charge if paying by instalments.
AVIVA HEALTH
ADULT OPTIONS;
1. Level 2 Health Excess; Price per adult; 899 - public,private + full hi-tech hospital cover,limited outpatients;
2. Health Plan 05; Price per adult; 950 - public,private + full hi-tech hospital cover, good outpatients;
www.hia.ie/ci/comparison/step3?104&249&307/
KIDS OPTIONS
1. Level 2 Family Health; Price per child; 214 - public,private + full hi-tech hospital cover,limited outpatients;
www.hia.ie/ci/comparison/step3?104&248/
GLOHEALTH - new company in the market, ex staff from Aviva.
ADULT OPTIONS;
1. Better Plan; Price per adult; 842 - public,private + full hi-tech hospital cover,limited outpatients.
www.hia.ie/ci/comparison/step3?104&298/
KIDS OPTIONS;
1. Good Plan; Price; 160(1st child) 169.50(2nd + 3rd child) -public hospital cover only,limited outpatients.
2. Better Plan; Price per child; 206.50each - public,private+full hi-tech hospital cover,limited outpatients.
www.hia.ie/ci/comparison/step3?104&297&298/
NOTE; There are no childrens private hospitals in Ireland so public hospital cover is sufficient. However if the kids have hi-tech cover
included, both Mater Private and Blackrock Clinic offer all typical children's surgery fully covered.
As you are all under 50, there are no waiting times for outpatient cover.
A waiting time for hospital cover only applies for any extra cover, not on your previous plan, in relation to any pre-existing condition.
If you have no pre-existing condition - then no waiting applies.
Also, regarding Revenue, the tax credit is already included in the prices quoted on the hia website. You may need to have your BIK figure adjusted
to reflect your current position.
Plenty of options to choose from.
Snowyb