Hi guys,
Just an update on the current position re alternatives to Laya Total Health Select, all options include cover for a private room in a private
hospital.
The following 3 plans from the Laya Simplicity range are well worth considering;
The hospital cover in these 3 plans is identical, no difference at all.
The only 2 differences relate to outpatient cover, mainly excess 100, 50 or 1, also secondly is price 1048, 1250, and 1380.
Details as follows;
1. Simplicity plan; price 1048pa,
2. Ideal Simplicity plan; price 1250pa.
3. Complete Simplicity plan; price 1380pa.
The above 3 plans all have a 100 euro excess for just 2 admissions to a private or hi-tech hospital. So the maximum inpatient excess per year
is 100 x 2 = 200, for a semi-private or private room. Day case excess is 50 euro per visit to a private or hi-tech hospital.
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Here is the comparison link for the other 3 alternatives quoted in post 2.
1. Connectcare 150; price 1186pa
2. Control 150 Create; price 1211pa
3. Control 150 Secure; price 1386pa
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Plenty of savings to be achieved without compromising on cover. The 3 Simplicity plans will stay at the above prices for at least two months
December and January.
Regards, Snowyb
Hi All,Thanks again Snowyb... Looks like I to will be changing to one of the Simplicity policies
igora,
To answer your question, it is probably not worth forfeiting the private room in a private hospital for a 1 euro excess on everyday medical expenses.
Especially, as you say that you are not regular doctor attenders. The private room cover is a lot more valuable - ie if you were to pay the difference
in cash, it would cost 300+ extra per night for a private room. In saying that, a private room is never guaranteed in any private hospital, but it has its advantages if one were available when needed, own bathroom, etc.
Some people prefer company and the activity of a busy ward, depending on the surgery involved, a private room might be a welcome perk for many reasons. At this stage, the way things are going, I think people are just glad to get a bed and a reasonable date to be admitted.
Simplicity plan is 100 euro cheaper in price for 2 people, so it balances out overall.
Simply Connect Plus has a restricted maximum amount for everyday expenses of 500 per year. Note; this restriction of 500 also includes x-rays, ultrasounds, etc. MRI scans are not included and are covered seperately.
Simplicity plan has an upper max limit of 7650 per person per year for everyday expenses including radiology. So while the first 100 is not allowed for each person, there is no restriction otherwise.
Simplicity plan is actually a bargain at the price, including a private room in a private hospital. The nearest equivalent with VHI is 2451pa Health Choice. I'm kinda reluctant to even say that, in case it skyrockets in price next year.
Both plans are excellent value, so its a happy position to be in.
Regards, Snowyb
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