Health Insurance Attention Laya customers: Laya has introduced 20% and 40% shortfalls on many renewals

argentina said:
Blackrock clinic often waive the private room supplement when staying there. Both my parents have had knees replaced in BC and in both cases room was covered even though they are only entitled to SP room
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Maybe tied into Fixed Price Procedure deal. I had surgery there during Covid and my plan definitely was not sufficient for private room in Blackrock which I had. I had confirmed the cover with VHI before even considering going there.
 
I moved from Laya Simply connect due to the mad price increases and poor day-to-day ceiling (currently it’s €3200 pa ), with no Ortho/eye shortfall.
Moved to Prosper Adanced which initially had no Ortho/eye shortfall; when Prosper Advance introduced a 40% ortho/eye shortfall I switched to Laya ExcelCare on renewal (20% ortho / eye shortfall), I see now ExcelCare will have a 40% ortho/eye shortfall from 1st December- headwrecking
 
argentina said:
Hi, just out of interest are you going for plan C or plan D? The day-to-day isn’t great with Level H.
I’m with you on the advantages of a fixed co-payment V % excess.
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C plus day to day benefits, but I have a quote for pro plan or something similar too that I must read through, has a higher co payment but substantially cheaper, I don't mind a fixed amount co-payment, well I do but needs must, but definitely don't want a percentage one.
 
argentina said:
Level Health were supposed to be keeping it all simple and mimicking the old VHI plans but have now introduced Pro+ , moving away from the original VHI plans.. bet there will be more to follow..
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Indeed...
ClubMan said:
Level Health started out with, and made a virtue of the fact that they had, a simple set of 3-4 (I think) plans and a small number of optional extras (day to day cover, increased excesses, etc.). But since then they seem to be going the same way as everyone else with even more plans and confusing options.
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I'm actually with Level Health myself (Plan B 300 Day To Day) but the creeping complexity is annoying alright.
 
Another one here who switched from Laya to Level Health this year and so far happy enough
Was on Laya Inspire Plus, which was €1546 in '24, €1786 in '25 and wanted €1992 for '26
Switched to LH plan Pro for €1515 but will also benefit of up to a 50% discount on home insurance and up to 10% on the car with Aviva
So for me that a further reduction of around €250 and also includes free travel insurance
Yes the day to day benefits are not as generous as Inspire Plus but the switch has saved me €727 which is more than enough for my needs
 
Cervelo said:
So for me that a further reduction of around €250 and also includes free travel insurance
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Now I haven't read the quote I was sent yet but thought the guy said that the pro plans didn't inclue travel insurance or online doc neither of which mattered to me, maybe there is an add on for it or I wasn't listening right!
 
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