Family renewal

Hi all,

Renewal 1st feb 2 adults and 2 kids.
Adult 1 currently on company plan 1.3 vhi.
Adult 2 was on 4d health 2 but switched to 4d health 3 mid way through year. Irish life health.

2 kids on best ultimate active irish life health due to €100 cash back on car seats.

We have claimed back around €1000 on day to day.

In an ideal world would love a private room in private hospital for adults with high day to day but I think it is too expensive?
We have not had any hospital admissions.

Any thoughts.....
Thanks a million

Familyof3,

The following 2 plans fully cover a private room in a private hospital with high day to day. Details as follows, worth considering;

1. Laya Control 300 Create; price 1079per adult; all public, private(including private room fully covered) + 3 hi-tech hospitals covered.
Private/hi-techexcess 300 per admission, day case excess 125 per procedure. Good day to day covered included, 1 euro excess - refund of
80 per consultant visit, 30 per gp visit etc.

2. Laya Simplicity plan; price 1231pa; all public, private(including private room fully covered) + 3 hi-tech hospitals covered, private/hi-tech
excess 100 x 2 max per year for all admissions, day case excess 50 per procedure. Day to day cover included, the first 100 is not allowed for 1
person or 200 per family. Refund of 50% for consultant visits, gp visits, etc.

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Child Options
1. Laya Control 300 Create; price 257 per child.
2. VHI Company Plan Plus Level 1.3; price 286 per child.
3. Laya Simplicity; price 285 per child.

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Regards, Snowyb

Thanks a mil Snowy.
If I ditch the private room in a private hospital but want to keep day to day what would be my best options? I defo want to keep day to day at €1.
Maternity cover with high refund of consultant fees are important to me as is dental. I have a dental policy but may cancel it.

Online laya suggested total health complete 175?

Familyof3,

The following plans are worth considering without private room cover in a private hospital, just semi-private covered;

1. Laya Simply Connect; price 1100pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 x 2 max for all
admissions per year, day case excess 50 per procedure. Good day to day cover included, 50% refund for everything but subject to a max
refund of 500 per year. (50% of 1000 = 500). This 500 can be used just for dental cover if you want.
Good maternity cover on this plan, maternity consultant visits 450euro - not subject to the 500 outpatient limit.

2. VHI PMI 07 10; price 1188pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 x 1 max per year for all
admissions per year, day case excess 50 per procedure. Good day to day cover included, 50% refund for gp, non-maternity consultants,
Dental cover is not great 25 x 7 visits, Total outpatient limit 2000 per year.
Good maternity cover on this plan, maternity consultant visits 450euro.

3. Laya Total Health Complete 175; price 1198pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 175 per admission,
day case excess 175 for private hospital and 200 for hi-tech hospitals. Good day to day cover included, 50% refund for gp, non-maternity
consultant visits, dental cover upto 500 euro, etc.
Good maternity cover on this plan, maternity consultant visits 50% upto 400 euro.

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Regards, Snowyb