Hi Offaly Exile,
Welcome to AAM.
Just to explain briefly, the Company Plan Extra you are on at present, has no private hospital excess. This means that regardless of how many admissions you may have to any private hospital, you do not pay anything on admission. This type of plan is usually recommended if a person
has conditions that may require several admissions to a private hospital per year for ongoing treatment etc. Thats why its more expensive.
The cheapest alternative plan with similar cover, no hospital excess is as follows;
VHI One Plan Extra; 1349pa
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However, if you don't mind taking out a plan including a private hospital excess, there are a number of cheaper alternative options worth considering as follows;
VHI Options
1. Plan PMI 37 13; price 1011pa; similar hospital cover as before, including hospital excess 100 per admission, this excess does NOT apply to any public hospital. Limited day to day cover.
2. Plan PMI 36 13; price 1175pa; similar hospital cover as before, including hospital excess 75 per admission to private hospital only, this plan also has good day to day cover (gp, consultants, dental etc).
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Laya Healthcare Option
1. Simply Connect; price 999pa; similar hospital cover as before, including private hospital excess 150 per 2 admissions pa, also including day to day cover - capped at 300 pa.
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All the above options cover Galway Clinic and a range of other private, public and hi-tech hospitals.
NOTE; there is no guarantee that the prices quoted above will stay the same until 1 Jan 2016. So, it's advisable to double check prices nearer to renewal date. Also, there may be new plans released at that time - something to keep in mind before making any decisions.
Regards, Snowyb