I compared LAYA Simply Connect with Irish Life 4D Health 2 and I would say the LAYA one is superior and cheaper (if you sign up before 1st June).As a trade union member, I reached out to FORSA for advice on health insurance. They put in touch with a number of brokers (Lyons, Cornmarket, Keaneys, etc.) all of whom seem to be recommending the Irish Life '4D Health 2' plan so I'm guessing it is a good option. The consensus seems to be that I should purchase cover for up to Semi-private care in a Private hospital. But I'm wondering if all these brokers have some kind of financial relationship with Irish Life, as I was surprised not to see any recommendations for plans from Laya or VHI.
I am living and working in Westmeath so need a plan that covers all local public/private midlands hospitals as I wouldn't want to have to travel too far. But I will also be travelling up to Northern Ireland regularly to visit family in County Derry, so it would be nice to have a plan that would cover me for any medical treatment/emergencies that would ever occur when I was up in the North.
VHI are out on their own on this. For the past few years they have been covering certain new cancer treatments not yet approved by HSE.I don't want to bring this thread off-track so apologies if this is too tangential to the central theme.
What healthcare plan provides decent cancer cover? What I mean precisely is what level of plan must one have to be confident that if you get cancer you will be covered for appropriate treatment?
The reason for this question is that there are new cancer drugs coming out regularly. Often these new, let's call high-tech, drugs are very expensive (say, in excess of, €50k p.a.). The problem is that the HSE can be very slow in approving these drugs so there can be a gap between what the oncologist recommends and what the state supports. How does one insure this gap? The last thing one wants to face when going through cancer treatment is to be told that there is very good medication out there for you...….but only if you have deep pockets and can afford it!
It’s all on a case by case basis so you can’t get a breakdown on what’s covered etc.
many are not aware of this key point
I'm 54 and with Laya, Control 300 Create. It's €100 odd more than Inspire but my outpatient cap would be €6500 versus €1000 for Inspire. As time moves on I'll increase hospital cover and reduce the excess for day cases and hospital procedures.
Smaug's comment was to the OP - I really think for your query you'd be better off creating a new thread.Fair enough but what will you do if you need high-tech drugs? Say, for example, you get cancer and the existing treatment has lost efficacy and the oncologist says that there is a new drug which is covered by the health systems in other European countries but not in Ireland - and that this new "high-tech" drug is likely to be beneficial but the problem is that it costs €5k or €10k per month. What then?
I'd agree and comparisons should be done regardless of the level. Also the 2% loading doesn't start till you're over 34.To the OP I'm wondering would you be better off going for a minimal scheme here as you are likely to retain eligibility to the NHS service in Derry?
I've no idea but whatever is approved and available with the HSE should be covered by health insurers. You can be sure that both insurers and the HSE are not going to fork out for unapproved chemo/experimental treatment without a very good argument from an oncologist or even a bunch of them but I think they'd have a better chance arguing with the HSE than a private health insurer. But what do I know - any doctors in the house?Fair enough but what will you do if you need high-tech drugs? Say, for example, you get cancer and the existing treatment has lost efficacy and the oncologist says that there is a new drug which is covered by the health systems in other European countries but not in Ireland - and that this new "high-tech" drug is likely to be beneficial but the problem is that it costs €5k or €10k per month. What then?
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