VHI Best plan

Discussion in 'Health Insurance and healthcare costs' started by Rosjohn, 11 Jan 2019.

  1. Rosjohn

    Rosjohn New Member

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    5
    Currently on 1 plan starter but thinking public Hospital only cover not worth having.
    So will need to include some private hospital cover when renewing.
    Due to loading won't be able to afford a very comprehensive plan.
    What would be best plan under €1,000 without loading?
    Renewal date early March.
     
  2. snowyb

    snowyb Frequent Poster

    Posts:
    1,384
    Hi Rosjohn,

    Welcome to AAM.
    The following plans are worth considering;

    1. VHI One Plan 250; price 832pa; all public and private hospitals covered, private excess 250 x 2 max per year for all admissions,
    day case excess 150 per procedure. There is no excess to pay in any public hospital.

    2. Laya Essential Health 300; price 895pa; all public, private and Beacon hospital covered, cardiac and orthopaedic surgery fully covered in
    Mater Private and Blackrock Clinic, private excess 300 x 2 max per year for admissions, day case excess 125 per procedure. There is no
    excess to pay in any public hospital.

    3. Irish Life Benefit plan; price 899pa; all public, private and Beacon hospital covered, private excess 200 x 2 max for all admissions,
    day case excess 125 per procedure. There is no excess to pay in any public hospital.

    https://www.hia.ie/ci/comparison/step3?plan_ids=253|698|742&source=plans

    Note; there may be further price changes for March, no guarantee the above prices will be the same in March.

    Regards, Snowyb
     
  3. Rosjohn

    Rosjohn New Member

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    5
    Thanks Snowyb.
     
  4. Rosjohn

    Rosjohn New Member

    Posts:
    5
    Last edited: 18 Jan 2019
    Is Smart plan 250 worth considering or is it much inferior to One plan 250?
     
    Last edited: 18 Jan 2019
  5. snowyb

    snowyb Frequent Poster

    Posts:
    1,384
    VHI One Plan 250 covers all public and private hospitals. Whereas Smart Plan 250 covers a selected list of public and private hospitals.
    Its important to check out both of these lists to see if the hospitals covered, suit your location.

    Smart Plan 250 is only worth considering if you're happy with the hospitals covered.
    Its 67 euro extra in price overall, for 25 more public hospitals and 14 more private hospitals on One Plan 250.

    Snowyb
     
  6. Rosjohn

    Rosjohn New Member

    Posts:
    5
    Thanks again Snowyb.
    Will check the hospital lists.