hob1,
The following plans with Laya are worth considering, including refunds for physio and child speech therapy;
1. Laya Control 300 Create; price 271pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 300 per admission, 125 excess
per day case. No excess applies to any public hospital. Good day to day cover included, physio 30euro x 25 visits,
child speech therapy 30euro x 8 visits, consultant visits 80 per visit etc.
2. Laya Control 150 Create; price 322pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 per admission,
day case excess 75 per visit. Good day to day cover included, physio 30euro x 25 visits, child speech therapy 30euro x 8 visits, consultant visit 80 per visit.
3. Laya Control 150 Secure; price 334pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 per admission,
day case excess 75 per visit. Good day to day cover included, physio 40euro x 25 visits, child speech therapy 40 x 8 visits, consultant visit 100 per
visit.
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The main difference between the above plans relate to the private/hi-tech excess and the refund amount for physio and speech therapy.
Hospital cover is the same across all 3 plans.
The VHI half price offer still applies upto 31st October 2017, so One Plan Complete or One + Plan are good value for your other child.
Both adult plans are still good value with VHI and Laya.
Snowyb