Meath Lady,
The main difference in the following 2 plans with Laya, is lower excesses for inpatient admissions, day case and lower shortfalls for hi-tech cover.
The difference in price is less than 100 overall for either plan. Details as follows;
1. Simplicity Plan; price 1087pa. (as already mentioned) lower inpatient excess 100 x 2 max per year in private/hi-tech hospitals. Day case excess
50 per visit to private/hi-tech hospitals. Good day to day cover with a 100 excess, ie. the first 100 is not allowed for day to day medical expenses with this plan. This plan also covers a private room in a private hospital, which is a big plus in terms of value for money.
2. Simpy Connect; price 1063pa; same hospital cover as before, lower inpatient excess 150 x 2 max per year in private/hi-tech hospitals. Day case excess 50 per visit in private/hi-tech hospitals. Good day to day cover, 1 euro excess but the maximum refund is 300 per year.
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As I already mentioned above, the main reason for switching to either of these 2 plans is based on the lower excess amounts. This can be a very
significant difference in reality, for example a day case procedure in a hi-tech hospital will cost 200 with her current plan, whereas it will just cost 50 euro on the 2 alternative plans. Plenty to consider before making any decisions.
Regards, Snowyb