Better option than vhi PMI 3613

whatsmoney

Frequent Poster
Messages
78
Hi
I'm currently with vhi on PMI 3613 plan.
I'm 44 male with no health issues
The only thing I claim for is specialist contact lenses each year. PMI 3613 only allows a claim every 24 months.

I'd like to stay with vhi on similar bracket. Just wondering if anyone can recommend any better option

Thanks folks
 

snowyb

Frequent Poster
Messages
1,622
Hi whatsmoney,

The following VHI plans are worth considering;

1. VHI PMI 07 10; price 1240pa; all public, private and 3 hi-tech hospitals covered, private / hi-tech excesss capped at 150 x 1 per year for all
private admissions, day case excess 50 per procedure. Good day to day cover included, optical cover of 75% up to 120 every 2 years etc.

2. Company Plan Plus Level 1.2; price 1193pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 per admission and
per day case procedure. Good day to day cover, optical cover 75% upto 100 every 2 years.

https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzEyNzMsMTI4OCwxMzA5XSwicGxhbnMiOnsiZGF0YSI6W10sImxvYWRpbmciOnRydWV9LCJwbGFuc1NlbGVjdGVkRGF0YSI6W10sImFwcGxpY2F0aW9uIjp7InRvZ2dsZV9zY3JvbGxMb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d

The following 2 Laya plans allow 50% of optical costs upto 500 and 1000 per year. That is (50% of 1000 =500 and 50% of 2000 = 1000 respectively).
There is no cap on the amount of each individual medical expense in a year. For example you can use the max of 500 allowable expenses for just
optical or just dental if it suits. You could contact Laya regarding the finer details of the specific expenses in your case. Details in the following link;
https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzE1MjIsMTMwOSwxMjAzXSwicGxhbnMiOnsiZGF0YSI6W10sImxvYWRpbmciOnRydWV9LCJwbGFuc1NlbGVjdGVkRGF0YSI6W10sImFwcGxpY2F0aW9uIjp7InRvZ2dsZV9zY3JvbGxMb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d

Regards, Snowyb
 

whatsmoney

Frequent Poster
Messages
78
Hi Snowyb
Thanks for your help.
I also saw Laya Inspire which gives both optical and dental cover. Ill compare your recommendations and make a decision.
As an aside, it seems to me that Laya give much more outpatient benefits than vhi across their packages. I'll probably switch across to them. Thanks
 

snowyb

Frequent Poster
Messages
1,622
whatsmoney,

Note; Inspire has a max optical of 150 per year. Simply Connect or Simply Connect Plus plans allow the flexibility to use part or all of the 500 or 1000
limit for whatever expenses you want. In other words, there is no restriction max for any medical expenses, except of course the 500 or l000 limit.

For example if you have 600 optical bills and 800 dental bills, under Simply Connect plan 50% of 600 = 300, and 50% of 800 = 400.
300 + 400 =700. Max of 500 applies. So total refund with Simply Connect is 500.

Under Inspire plan, optical would be restricted to 150, dental would be restricted to 200. So total refund would be 350.

Under Simply Connect Plus the total refund would be 300 + 400 = 700.

Regards,Snowyb
 
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