Laya Flex 250 explore alternatives

TCDCK18

Registered User
Messages
1
Hi there,

My policy is up for renewal on the 1st February. Does anyone have any cheaper alternatives to this policy?

Many thanks
 

snowyb

Frequent Poster
Messages
1,609
Hi TCDCK18,

Welcome to AAM. The nearest equivalent cheaper plan is Laya Essential Health 300.

1. Laya Essential Health 300; price 895pa. all public, private and some hi-tech hospital cover. Private excess 300 x 2 max per year for all
admissions. Day case excess 125 per procedure. Cardiac covered in 3 hi-tech hospitals.
Note; No cover for orthopaedic in Blackrock Clinic or Mater Private Dublin. This is the only difference in cover between the 2 plans.

https://www.hia.ie/ci/comparison/step3?plan_ids=386|698&source=plans

The following plan is a similar price to your current plan but maintains full cover for all 3 hi-tech hospitals with extra day to day cover as standard.
2. Control 300 Create; price 1042pa; all public, private(including private room) and 3 hi-tech hospitals covered, private excess 300 per admission,
day case excess 125 per procedure. Good day to day cover on this plan, 30 refund per gp, dental etc and 80 per consultant visit.

https://www.hia.ie/ci/comparison/step3?plan_ids=386|462&source=plans

Regards, Snowyb
 

Sarenco

Frequent Poster
Messages
5,937
I would appreciate any views as to whether Laya Flex 250 Explore still represents reasonable value @€1,069 for somebody in good health?
 

snowyb

Frequent Poster
Messages
1,609
Hi Sarenco,

The price of 1069 for Laya Flex 250 Explore would suggest that there is a discount included, as the current full price is 1210 euro.

Laya Control 300 Create;
If the same level of discount can be applied to other Laya plans, then the Laya Control 300 Create is worth considering and a better option.
This plan has a much better level of hospital cover, including full cover for a private room in a private hospital, plus extra hi-tech cover including
Mater Private and Blackrock Clinic (not covered on Flex 250 Explore).
Also, there is very good day to day cover on this plan, with a 1 euro excess, refund of 80 per consultant visit, 30 per gp etc.( again not covered on
Flex 250 Explore).

Laya Essential Health 300; Full price 996pa less any discount you may have access to already.
This plan is a better option compared to Flex 250 Explore because there is a capped inpatient excess of 300 x 2 max per year,
for all admissions to private hospitals, regardless of how many per year.
Note; This plan covers hip and knee replacement surgery in 10 private hospitals but not Blackrock Clinic or Mater Private Dublin.
Blackrock Clinic and Mater Private cover hip and knee replacement surgery on Flex 250 Explore, its the only difference between these 2 plans.

The 2 recommended plans are the ones I recommended in the previous post to TCDCK18, still best value options.:)

https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzEzNjEsMTUyOSwxNTUzXSwicGxhbnMiOnsiZGF0YSI6W10sImxvYWRpbmciOnRydWV9LCJwbGFuc1NlbGVjdGVkRGF0YSI6W10sImFwcGxpY2F0aW9uIjp7InRvZ2dsZV9zY3JvbGxMb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d

Regards, Snowyb
 
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