Laya company care plus renewal

[november16]

Hello Snowyb wonder can you advise me

I am on leya company care plus, renewal date, 1st Jan 2016. The Premium has risen to €1800 approx, in September 2015. Due to severe fracture sustained last year I may require - ongoing treatment / possible shoulder replacement, long term. I hope to use high tech hospital (not in limerick regional) as I would prefer not to end up like humpty dumpty. I also pay for sister and sister in laws policies (flex 500 explore) on separate policies. Wondering is there anything with better value available

 

[snowyb]

november16,

The following plan is identical to your current plan, no hospital excess;
1. Company Care No Excess; price 1600pa from 1st Jan 2016. Same hospital cover as before, no private/hi tech excess for inpatient or day case,
good day to day cover as before.
[broken link removed]

http://www.hia.ie/news/laya-healthcare-price-reductions-01012016

The following 3 plans have a maximum inpatient excess per year, with a day case excess of 50 per visit;
2. Simply Connect; 999pa, similar hospital cover,(public, private and hi-tech), private/hi-tech inpatient excess 150 x 2 max, day to day cover max refund per year 300. Day case excess 50.

3. Simplicity plan; 1050pa; public, private and hi-tech hospital cover, including a private room in a private hospital, private/hi-tech inpatient excess 100 x 2 max per year. Day to day cover included - the first 100 not allowed(100 excess).

4. Ideal Simplicity; 1250; public, private and hi-tech hospital cover, including a private room in a private hospital, private/hi-tech inpatient excess 100 x 2 max per year. Day to day cover included - 50 excess( first 50 not allowed).

[broken link removed]

If shoulder replacement surgery is required in the future, this type of surgery is fully covered in the hi-tech hospital, Blackrock Clinic, on all 4 plans mentioned above. Depending on the plan you choose, either no excess payable on option 1, or 100, 150 payable for options 2,3 & 4.

If you don't mind taking out a plan with a limited excess, there is a lot of savings to be made on options 2,3, & 4.

Regarding your relatives plan, Flex 500 Explore, this is the lowest priced plan that includes all public, private and hi-tech hospital cover, no restrictions. The 3 plans cheaper in price would have a very restricted private hospital list and just cardiac + orthopaedic cover in hi-tech hospitals. Flex 500 Explore is the best choice plan at that price.

Regards, Snowyb