if possible I would like to stay with VHI ?
Hi Robert,
Know where you are coming from as I prefer to stay with VHI which as charlie007 says 'there's no logical reason' but like you I just feel more comfortable with them.
Having compared your policy as above with my own on HIA website would have to say that your day-to-day is not great for payments such as doctors/consultants but this may not be important to you especially if you have a GP card. The max of €2,000 allowance on that is not great.
To me it would seem that the policy is expensive because you have 100% orthopaedic and ophthalmic cover as most policies have a co-payment for those. You also have semi-private cover in Mater and Blackrock which can be hard to achieve also.
With regard to your specific cardiac cover it does say
The Blackrock Clinic, the Mater Private and the Beacon Hospital, certain Cardiac Procedures
Please ask your insurer for further details.
Have asked VHI about this before and they are very specific procedures so you would probably need to enquire further on those.
From what I have read on posts on AAM in the past Laya do appear to be the company most inclined to provide the 100% on the ortho/ophth stuff on cheaper policies. It does appear to be on only a few policies though so perhaps they might be able to find you a cheaper one that covers those and meets your heart condition requirements also.
You might benefit from using the fee based service with
www.totalhealthcover.ie to check into it further. People here have mentioned that totalhealth were very busy so the sooner you speak to them the better.
## Post crossed with Charlie's so similar replies