Thankfully we're ok in that regard. No pre-existing conditions and we're done with Maternity!I think it's not extra costs you have to worry about but the waiting periods. You could take out cover with any company as a new customer but the waiting periods are 6 months for new illnesses, 5 years for existing, 1 year for maternity. No waiting period for accidents.
There is also a loading for anyone taking out cover over the age of 35 but I gather any years you had cover under 35 are added to it so in your case it wouldn't apply.
Hi SnowybHi PeterD37,
What VHI were you and the family on before you cancelled?
Snowyb
Hi SnowybPeterD37,
Laya are probably best value for the children at the moment. They have a special offer for 5 plans whereby you pay for the first child and the rest of
the children are free. The following 2 plans are best value, worth considering, details as follows;
1. Laya Flex 125 Choice; price 632pa (total cost for all 3 children) all public, private and 3 hi-tech hospitals covered, private inpatient excess is 125 per admission, day case excess is 50 per procedure. No excess to pay in any public hospital. Good day to day cover included, 1 euro excess,
refund of 30 per gp visit, 60 per consultant visit. etc.
2. Laya Flex 125 Explore; price 374pa; (total cost for all 3 children) all public, private and 3 hi-tech hospitals covered, private inpatient excess 125 per
admission, day case excess is 50 per procedure. No excess to pay in any public hospital. Limited day to day cover on this plan.
3. Irish Life Benefit plan; price 190 per child; (total 570 for 3 children); all public, private and Beacon hospital covered, private excess is capped at
200 x 2 max per year for all admissions, day case excess 125 per procedure. No excess to pay in any public hospital. Limited day to day cover.
https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MTIsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzE3NTQsMTk4MCwxOTc5LDE2NjJdLCJwbGFucyI6eyJkYXRhIjpbXSwibG9hZGluZyI6dHJ1ZX0sInBsYW5zU2VsZWN0ZWREYXRhIjpbXSwiYXBwbGljYXRpb24iOnsidG9nZ2xlX3Njcm9sbExvY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
Adult Options
The following plans are alternatives to VHI PMI 25 11 plan at cheaper prices.
Laya Simplicity, Laya Connect Simplicity and Laya Control 300 Create fully cover a private room in a private hospital which is higher level
hospital cover than before.
https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzE5NjgsMTIxMCwxNTU0LDE5MzRdLCJwbGFucyI6eyJkYXRhIjpbXSwibG9hZGluZyI6dHJ1ZX0sInBsYW5zU2VsZWN0ZWREYXRhIjpbXSwiYXBwbGljYXRpb24iOnsidG9nZ2xlX3Njcm9sbExvY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
The following plans cover a semi-private room in a private hospital. Irish Life Benefit plan covers public, private and Beacon hospital at a good price.
Simply Connect and 4D Health 2 plan, tick all the boxes, including 3 hi-tech hospitals.
https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCwxNzU2LjExXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzE1NjcsMTY2MiwxOTM0LDE5OTFdLCJwbGFucyI6eyJkYXRhIjpbXSwibG9hZGluZyI6dHJ1ZX0sInBsYW5zU2VsZWN0ZWREYXRhIjpbXSwiYXBwbGljYXRpb24iOnsidG9nZ2xlX3Njcm9sbExvY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
By the end of the week, the health insurance providers will make an announcement regarding any premium adjustments in relation to the current
Covid 19 situation, if any.
Note; One adult at least must be insured with Laya if the children are with Laya.
The same applies to Irish Life.
Regards, Snowyb
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