Health Insurance First time insurance- couple Female 36 Male 39, two small children (3 and 1 year old)-

bess

Frequent Poster
Messages
28
Hello,
We've put this on the long finger but would like to enter the health insurance market in order to avoid further loadings. We are both healthy non smokers with no real need to visit the GP. (We would appreciate travel insurance built in if there was such a thing...) I'm 36 and my husband is 39. Happy to have max cash excess to keep the premium basic . No underlying health conditions thankfully. Any advice is welcome.

Also, could you advise on the best insurance for my mother who has always had insurance but not sure she's on the right plan. She is 73 - needs access to private hospitals.
 

snowyb

Frequent Poster
Messages
1,622
Hi bess,

Firstly, regarding your mother, what health insurance plan is she on at the moment and when is her renewal date?

For yourself and your husband, the following 3 plans are the cheapest plans available that included private hospital cover.
Details as follows; I see from previous posts that you are based in Galway, the details refer to the relevant hospitals.
As you are both over 34 years of age, there will be a 2% loading for each year, 4% for you and 10% for your husband.
This is called Lifetime Community Rating https://www.hia.ie/consumer-information/lifetime-community-rating-explained

1. Precision 600 Connect; price 711pa; all public hospitals, selected private hospitals covered including Bons Secours Galway,
(no cover for Galway Clinic on this plan), cardiac + orthopaedic surgery covered in Dublin hospitals Mater Private and Blackrock Clinic,
just orthopaedic covered in Beacon hospital. Private hospital excess 600 per admission, day case excess 175 per procedure.
There is no excess to pay in any public hospital.

2. Irish Life Benefit 1 plan; price 776pa; list 3 hospitals are covered(link below) Galway public hospitals covered, Galway Clinic private hospital
covered on this plan,(no cover for Bons Secours Galway) Beacon hospital Dublin hi-tech hospital covered. Private hospital excess capped at
500 x 2 max per year for all admissions, day case excess 150 per procedure. There is no excess to pay in any public hospital.

3. VHI One Plan 500; price 780pa; all public hospitals and private hospitals covered on this plan, Note; certain cardiac and special procedures not
covered in Galway Clinc(VHI will confirm what these procedure are). Beacon hospital Dublin covered. Private hospital excess capped at 500 x 2
max per year for all admissions. Day case excess 150 per procedure.

https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzE0MDIsMTYzNSwxNzk2XSwicGxhbnMiOnsiZGF0YSI6W10sImxvYWRpbmciOnRydWV9LCJwbGFuc1NlbGVjdGVkRGF0YSI6W10sImFwcGxpY2F0aW9uIjp7InRvZ2dsZV9zY3JvbGxMb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d

Link for Irish Life hospital list 3 for Benefit 1 plan;
https://www.irishlifehealth.ie/IrishLifeHealth/media/Irish-life-Health/pdfs/hospital-lists/Health_Plans_Hospital_List_1_2_3_4.pdf


The following 2 plans cover all public and private hospitals and have a lower private hospital excess. Details as follows;
4. Laya Signify plan; price 938pa; all public and private hospitals covered + Beacon hospital Dublin, private hospital excess capped at 250 x 2 max
per year for all admissions, day case excess 125 per procedure. No excess applies to any public hospital.

5. Irish Life Benefit plan; price 965pa; all public and private hospitals covered + Beacon hospital Dublin, private hospital excess capped at 200 x 2
max per year for all admissions, day case excess 125 per procedure. No excess applies to any public hospital.

https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzEzMzcsMTY2Ml0sInBsYW5zIjp7ImRhdGEiOltdLCJsb2FkaW5nIjp0cnVlfSwicGxhbnNTZWxlY3RlZERhdGEiOltdLCJhcHBsaWNhdGlvbiI6eyJ0b2dnbGVfc2Nyb2xsTG9jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==

Regarding travel insurance, Irish Life is the only provider to include a travel policy option as part of a plan, you would need to confirm that the
Benefit plans are included in this offer at the moment.

Child Options
The following 3 plans are worth considering for children;
1. Laya healthcare have a special offer for children where you pay for the 1st child and the rest are free.
Laya Essential Health 300 plan; price 256pa;(covers all children); all public, private and Beacon hospital covered, private hospital excess
capped at 300 x 2 max per year for all admissions, day case excess 125 per procedure. No excess applies to any public hospital. Note; at least one adult must be on any Laya planin order to take out the childrens offer.

2. Irish Life Benefit plan; price 190 per child; all public, private and Beacon hospital Dublin, private hospital excess capped at 200 x 2
max per year for all admissions, day case excess 125 per procedure. No excess applies to any public hospital.

3. VHI One Plus Plan; per child; all public, private and 3 hi-tech hospitals covered, private excess 125 per admission and 125 per day case procedure.
No excess applies to any public hospital.

https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MywibWluTWF4UHJpY2UiOlswLDY1MDBdLCJtaW5NYXhFeGNlc3MiOlswLDYwMF0sInBsYW5UeXBlIjoxLCJwbGFuc1NlbGVjdGVkIjpbMTY2MiwxNzkyLDE1NTNdLCJwbGFucyI6eyJkYXRhIjpbXSwibG9hZGluZyI6dHJ1ZX0sInBsYW5zU2VsZWN0ZWREYXRhIjpbXSwiYXBwbGljYXRpb24iOnsidG9nZ2xlX3Njcm9sbExvY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=

Regards, Snowyb
 
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