2Clueless,
The VHI plan they are on is the old plan B and is expensive for the level of cover.
The main reason for having a plan like that, is because it covers hip or knee replacement surgery in private hospitals.
There are four alternative VHI plans to consider if they don't mind taking on an inpatient excess which is a small amount you pay only if you
are admitted to a private hospital for a stay. This excess payment does not apply to any public hospital. Details as follows;
1. VHI HealthPlus Excess; price 1940pa; all public, private and 3 hi-tech Dublin hospitals covered, private hospital inpatient excess is 75 euro per
admission, day case excess is 75 per procedure. No excess to pay in any public hospital. Day to day cover included, the first 100 not allowed.
Hip and knee replacement surgery covered in private and hi-tech hospitals.
2. VHI Health Access; price 1821pa; all public, private and 3 hi-tech Dublin hospitals covered, private hospital inpatient excess is 125 euro per
admission, day case excess is 125 per procedure. No excess to pay in any public hospital. Day to day cover included, the first 100 not allowed.
Hip and knee replacement surgery covered in private and hi-tech hospitals.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
3. VHI PMI 07 10; price 1297pa; all public, private and 3 hi-tech Dublin hospitals covered; private hospital inpatient excess is capped at 150 x 1
max per year for all private or hi-tech hospital admissions per year, regardless of how many. Day case excess 50 euro per procedure.
No excess to pay in any public hospital. Good day to day cover included, 1 euro excess, refund of 50% for consultant visits, gp visits, physio, etc.
NOTE; this plan has 80% cover for hip and knee replacement surgery in private or hi-tech hospitals, but it is fully covered in the Blackrock Clinic in
Dublin. A 20% shortfall of 2k - 3k would be charged in any other private hospital.
Also, Whitfield Private hospital in Waterford and Kingsbridge Private in Sligo are NOT covered on this plan.
4. Company Plan Plus Level 1.3; price 1252pa; all public, private and 3 hi-tech hospitals covered, private hospital inpatient excess is 150
per admission, day case excess is 50 per procedure. No excess to pay in any public hospital. Good day to day cover included, 1 euro excess,
refund of 50% for consultant visits, gp visits, physio, dental etc. All private hospitals are covered on this plan.
NOTE; this plan has 80% cover for hip and knee replacement surgery in private or hi-tech hospitals, but it is fully covered in the Blackrock Clinic in
Dublin.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
If they are willing to consider a Laya plan, there is better cover at cheaper prices. I know the reluctance involved in switching, because of the long
number of years with VHI. Details as follows;
5. Laya Simplicity Plan; price 1370pa; all public, private (including private room fully covered) and 3 hi-tech Dublin hospitals covered; private hospital
excess is capped at 100 x 2 max per year for all admissions, regardless of how many. Day case excess 50 per procedure. No excess to pay in any
public hospital. Day to day cover included, first 100 not allowed, refund of 50% for consultant visits, gp visits, dental, physio etc.
There is full cover for hip or knee replacement surgery in all private and hi-tech hospitals, no restrictions.
There is also the bonus of a private single-occupancy room in any private hospital fully covered. This extra cover may be a valuable option as they
may be inclined to use private hospitals around the Midlands area, maybe Galway Clinic or Bons Secours etc. The Dublin hospitals are also fully
covered for the private room.
If a private room in a private hospital is not a priority, the following Laya plan is worth considering, details as follows;
6. Laya Simply Connect; price 1265pa; all public, private and 3 hi-tech Dublin hospitals covered, private hospital inpatient excess is capped at
150 x 2 max per year for all admissions, day case excess is 50 per procedure. No excess to pay in any public hospital. Good day to day cover included, 1 euro excess, refunds of 50% for consultants, gp visits, dental, physio etc. There is full cover for hip and knee replacement surgery in
all private and hi-tech hospitals on this plan.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
There are plenty of savings to be made from the above 6 alternative options.
They can choose different plans if required, according to their individual medical needs.
They could choose different companys also to make more savings if they want.
Regards, Snowyb
4. VHI