Laya Advice on Laya Renewal

[BruceM]

Hi, I was hoping someone could advise me on a health insurance renewal with Laya due on 1 September - 2 adults on Flex 500 Explore at €834 each and 3 kids (aged 12, 10 and 8) on Essential Connect Health at €189 each. We've been on these plans for 3 years, no claims made and luckily no health issues to date. To save some money, I'm thinking of moving the kids to VHI One +Plan at €149 each. I've been researching alternatives for the adults but getting bogged down by all the choices. I want to keep the same level of cover i.e. With 100% cover for orthopaedic procedures etc but I want to reduce the excess and if it was worthwhile allow for some recovery of GP expenses. Willing to pay €1,100 to €1,200 per adult but only if it was really giving me something extra over and above current plan. Any advice much appreciated.

 

[snowyb]

BruceM,

Welcome to AAM.

The following Laya plans are good alternatives, same cover with lower excess and no day to day cover.

1. Control 300 Connect; price 1094pa; all public, private(including private room) and 3 hi-tech hospitals covered, private/hi-tech excess 300 per admission, 125 per day case, no day to day cover.
2. Control 150 Connect; price 1153pa; all public, private(including private room) and 3 hi-tech hospitals covered, private/hi-tech excess 150 per
admission or 75 per day case, no day to day cover.
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The following Laya plans have same hospital cover, lower excess including day to day cover.

1. Control 300 Create; price 1146pa; all public, private(including private room) + 3 hi-tech hospitals covered, private/hi-tech excess 300 per
admission, day case 125 per visit, good day to day cover included.
2. Simply Connect; price 1179pa; all public, private, + 3 hi-tech hospitals covered, excess 150 x 2 max per year, day case excess 50 per visit.
Day to day cover included - max refund per year 50% of 600 = 300 per person.
3. Simplicity; price 1190pa; all public, private(including private room) + 3 hi-tech hospitals covered, excess max 100 x 2 per year for admissions, day case excess 50 per visit. Good day to day cover included - the first 100 not allowed.
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Excesses only apply to private or hi-tech hospitals, no excess applies to any public hospital.
There is full orthopaedic cover in all private and hi-tech hospitals on all the above plans, no excess or shortfall applies to this type of surgery.

Regards, Snowyb

 

[BruceM]

Dear Snowyb,

Many thanks for your very prompt and comprehensive reply. I think the Simply Connect plan looks like good value. Thanks again for your advice, much appreciated, the health insurance area is a complete minefield.

Best regards
Bruce M