The main differences between 'Laya Total Health Complete 175' and ' Aviva Health Plan 09' are mainly related to excesses.
Just to explain briefly, an inpatient excess is an amount payable on admission to any private hospital or hi-tech hospital for a stay. It is NOT a nightly amount, just a one off amount to be paid if you are admitted. It is payable for each admission. It does not apply to any public hospital.
The private hospital excess is 175 euro per admission for Laya Total Health Complete 175 plan. This covers a semi-private room.
For a private room, there is a nightly shortfall of 175 per night + the inpatient excess 175.
There is also an excess payable for day case procedures in a private hospital, which is 50 or 175 per procedure. Examples of private hospitals; Hermitage Lucan, Bons Secours, St Vincents Private Elm Pk, Santry Sports Clinic.
The hi-tech inpatient hospital excess on this plan is 200 euro per admission. There is also a nightly shortfall payable in Mater Private and
Blackrock Clinic of 195 euro per night. This nightly shortfall does not apply to cardiac or orthopaedic surgery. This nightly shortfall does not
apply to the Beacon Hospital - just the 200 excess per admission. Cover in these hospitals relates to semi-private in Beacon and Mater Private and private room in Blackrock Clinic( as this hospital has no shared wards).
The day case shortfall in hi-tech hospitals is 200 per visit.
In comparison, Aviva Health Plan 09 has no excesses or shortfalls to pay on admission to any private hospital upto and including a private room,
no excesses or shortfalls to pay on admission to any hi-tech hospital upto semi-private room. Private room is fully covered in Blackrock Clinic
but there may be a shortfall payable, per night for a private room in the Mater Private or Beacon Hospital.
Day to day medical expenses cover is similar enough on both plans, you can compare 'Outpatient cover' very clearly on the following link;
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Just as an alternative option worth considering, with lower excesses and full cover for a private room in a private hospital;
Laya Simplicity Plan; price 1087pa;
There is a maximum cap per year 100 x 2 = 200 for inpatient excesses payable on admission to a private or hi-tech hospital yearly.
So, if you have 10 admissions it is capped at 200 max per year.
Day case procedures in any private or hi-tech hospital is just 50 euro per visit.
The shortfall per night in Mater Private or Blackrock Clinic is 175 per night.
No nightly shortfall in the Beacon Hospital.
Good day to day expenses cover, the first 100 not allowed.
Comparison as follows;
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Regards, Snowyb