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