Health Insurance Back to VHI?

[di74]

We are a family of 4 - 2 adults 2 children (ages 10 & 8)
We were with the VHI for years and two years ago moved over to LAYA (Flex 500 explore)
Luckily have had very little use for any in-patient cover and we generally don't have much GP expenses either (maybe 4/5 visits per year) so day-to-day cover isn't that important to us.
Husband has a life-long medical condition but is treated as a public out-patient for this and will continue to do so.
Since VHI swiftcare are now only taking VHI customers I'm thinking of switching back to the VHI - it's been very convenient for us for sport injuries and generally avoiding A&E if needed to see someone quickly and out-of-hours.

Any recommendation for a plan with VHI? Our renewal is €830 per adult and €223 per child.

Thanks
Di

 

[snowyb]

di74,

The following 2 VHI plans are worth considering.
Note; these 2 plans cover all public, private + Beacon hospital. There is no cover for Blackrock Clinic or Mater Private. You have cardiac and
orthopaedic cover for these 2 hospitals at the moment.

1. One Plan 500; price 769pa; all public, private and Beacon hospital covered. Private excess 500 x 2 max for admissions per year. Day case
excess 150 per private procedure. 60% orthopaedic cover on this plan. Very limited day to day cover.

2. One Plan 250; price 916pa; all public, private and Beacon hospital covered. Private excess 250 x 2 max for admissions per year. Day case
excess 150 per private procedure. 60% orthopaedic cover on this plan. Very limited day to day cover.
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Child Options;
The following plans are half price from 1st January 2018.
1. One + Plan; price 148pa; all public,private and 3 hi-tech hospitals covered, private/hi-tech excess 125 per admission or day case.
Very limited day to day cover.

2. One Plan 150; price 130pa; all public, private and Beacon hospital covered. private excess 150 per admission or day case.
Very limited day to day cover.

3. One Plan 500; price 107pa; all public, private and Beacon hospital covered. private excess 500 x 2 for admissions, day case excess per
private procedure. Very limited day to day cover.
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Note; VHI allow children to be insured on their own if you want. An adult is named on the policy but only the children are insured.

Regards, Snowyb