Health Insurance Alternative to Laya Control 600 Connect.

SoylentGreen

Registered User
Messages
426
Laya Control 600 Connect.

Both myself and my wife have been on this policy (separately) for 4 years now. Fifth year renewal coming due.

The price of this policy to me has gone from €852 to €1054 (new renewal quote) over the years. In 2020, Laya refunded us some monies due to Covid etc....no refunds in 2021. The price increase this year is €71.04 per person.

Is there a similar and cheaper policy out there that I could substitute for the Laya Control 600 Connect?
 

Odea

Registered User
Messages
459
I see on this policy that there is a €25 payment toward GP visits. Does this mean that if I have 5 x €65 GP visit costs that I can claim back 5 x €25 off my policy? Is this subject to an excess?
 

Sue Ellen

Moderator.
Messages
8,349
I see on this policy that there is a €25 payment toward GP visits. Does this mean that if I have 5 x €65 GP visit costs that I can claim back 5 x €25 off my policy? Is this subject to an excess?

If you go to the www.hia.ie website you will be able to check this policy out and answer any of the question that you might have. I can't confirm about Laya but that is certainly the case with VHI. We get 50% back on our G.P. visits and then 20% tax relief that we claim on our medical expenses. Our overall limit on our day-to-day expenses (which covers the G.P. visits, consultants etc.) is €1,000 per year.
 

Odea

Registered User
Messages
459
We get 50% back on our G.P. visits
With no excess?

Checking with Laya....on the Control 600 Connect....you get €20 back per visit but only after the €150 individual excess is reached. In other words, you cannot claim anything until you have visited your GP at least 7 times during the year.....

What is the name of the VHI Policy with no excess, is it expensive?

Laya have a policy with an excess of just €1 but you pay more for this policy.
 

Sue Ellen

Moderator.
Messages
8,349
What is the name of the VHI Policy with no excess, is it expensive?

Laya have a policy with an excess of just €1 but you pay more for this policy.

Policy PMI0710. Premium per adult €1,323.

Also bear in mind the Upgrade Rule (not sure if this applies to move from one provider to another)

Excess would appear to be €1.00
Looking at it again it would appear that the maximum to be paid out per member is €2,000 and not €1,000 as I had thought and mentioned above.

Section 9 – Day-to-day medical expenses (benefits are per visit, per member, unless otherwise indicated)
A General practitioner - unlimited visits 50%
B Consultant consultation - unlimited visits 50%
C Pathology - consultants’ fees 50%
D Radiology - consultants’ fees for professional services 50%
E Pathology/Radiology or other diagnostic tests (refer to Section 8 for out-patient
MRI benefits) - 50% of agreed charges in an approved out-patient centre. Contact
us for details of eligible diagnostic tests and reimbursements
€500 per year
F Pre- and post-natal care (combined visits) €450
G Dental practitioner - 7 visits €25
H Emergency dental treatment Up to €500
per accident
I Practice nurse - unlimited visits 50%
J STI screening Up to €100
K Physiotherapist - 10 visits €25
L Clinical Psychologist – 10 visits €25
M Acupuncturists, Chiropractors, Osteopaths, Physical therapists, Reflexologists -
unlimited visits
50%
N Chiropodists/Podiatrists, Dieticians, Occupational therapists, Speech therapists,
Orthoptists - unlimited visits
50%
PMI 07 10
O Optical – eye tests and glasses/contact lenses – 75% of charges in each 24 month
period (^Payment will be made directly to the provider if attending a VSP network
provider, and will not be subject to the annual excess or the annual maximum)
€120^
P Hearing test in each 2 year period €40
Q Health screening - in each 24 month period, covered in accordance with our rules
(contact us for details) *
 Lifestage screening programme in a Vhi Medical Centre €185 per
screen
 Dexa scans in an approved dexa scan centre 50% cover
R Accident & emergency cover - 2 visits €75
S Clinical psychology counselling for oncology treatment (psycho oncology
counselling)* - 10 visits
€50 per visit
T Child counselling - 7 visits €25
U Foetal screening, in the year of the birth €100 per
pregnancy
V Travel vaccinations €60 per year
W Vhi SwiftCare exclusive benefit to Vhi customers*
 Initial consultation (charge is €125 – you pay €50) €75
 Follow-up treatment package after this consultation for x-rays, tests & medical
aids (maximum you will pay is €100 for this follow-up treatment)
50% of total
costs
Vhi SwiftCare appointment services*
 Consultant consultation (orthopaedic, oral maxillofacial & sports medicine) 50%
 Dental practitioner – 7 visits €25
 Physiotherapist – 7 visits €25
X Vhi paediatric clinic*
 Initial Consultant consultation 50%
 Follow up paediatric treatment and services after this consultation including
lactation consultant, dietician, ultrasound, blood tests and x-ray
50% of total
costs
Y Paediatrician benefit
 Paediatrician benefit in addition to the Vhi paediatric clinic benefit listed above
- 1 visit in the year of the birth
50%
Annual excess - per member, per year €1
Annual maximum - per member, per year €2,000
* These benefits are not subject to the annual excess or annual maximum
 

Odea

Registered User
Messages
459
Thanks Sue Ellen. I rang Laya yesterday and I was asking about a similar but better policy to the Control 600 Connect that is costing €1054. They appear to have a very similar policy to the VHI one above that you provided details on. Laya call theirs Control 300 Create. It costs about €1300 plus.
It also has a €1 excess and instead of a €600 excess for the Private/Hi Tech hospitals the excess is €300. It is subject to the two year rule.

So, I have to decide whether to pay the extra €300 per annum for both myself and my wife. This is €600 extra out of household funds.

We would both need to be attending our GP multiple times per year to get these costs back. Looking back over the past number of years our GP visits are about 2 times per year for my wife and maybe one time for me. I am conscious of the fact that as we approach 70 years of age we may need to go more frequently but it will take a lot of visits to make up the extra €300 each dished out.

I may be able to avail of a free visit GP card when I reach 70......so do I need to upgrade?

Is there a policy out there that pays toward prescriptions? This is where our costs are......

I can avail of a free eye test and hearing test from Specsavers and I can get a free dentist check up from social welfare, is this enough?
 
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