Laya Health Insurance Renewal Due in Oct

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gerryp2000

Registered User
Messages
41
Hi,

We are a family of 5 and our Laya renewal quote has arrived (€2,407)
Our existing cover;

Me Flex 250 Plus (to renew it's 1,304.25)
Wife Future Protect (to renew it's €635.30)

3 x Kids ( 11, 9 & 4) Essential Connect Health (to renew the the 3 kids it's €396.83)

What changes should I make that will reduce the total bill, retain the physiotherapy refunds, ditch the GP visits and have similar hospital cover?
I'm not too sure if it's worth having a refund for GP visits, I only saw my GP twice in the previous 12 months, but I'm happy to retain the physiotherapy refunds !!

My wife would like to upgrade her cover , to match mine.

Any ideas??
 
gerryp2000,

Just a quick question, what date in October is your renewal?

Snowyb
 
gerryp2000,

In order to tick all the boxes, as you listed above, there are a few different options to consider to keep within budget.

Husband options;
1. VHI One Plan 250; price 832pa; all public, private and Beacon hospital covered, private excess 250 x 2 max per year for all admissions in a
private hospital, day case excess 150 per procedure. No excess to pay in any public hospital. No day to day on this plan but you can add an
out-patient extra called 'Healthsteps Silver' to complete this requirement.

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2. VHI Company Plan Plus Level 1.3; price 1128pa; all public, private and 3 hi-tech hospitals covered; private excess 150 per admission,
good day to day cover included.
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3. Laya Simply Connect; price 1100pa; all public,private and 3 hi-tech hospitals covered, private excess 150 x 2 max per year for all private
hospital admissions, day case excess 50 per procedure. Good day to day cover 50% refund upto a max of 500 per year.
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Wife Option
1. VHI One Plan 250; price 832pa; details as above.
Healthsteps Silver can be added onto this plan also if day to day cover is required.

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Childrens Options
1. Laya Essential Connect Health; price 396pa(pay for first child and the rest are free); all public and private hospitals covered, private excess
75/150 per admission and per day case procedure. No excess to pay in any public hospital.

2. VHI One Plan 150; price 122(before 1 Oct); all public, private and Beacon hospital covered, private excess 150 x 2 max per year for all
admissions. Day case excess 150 per procedure. No excess to pay in any public hospital.

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VHI have a once off cash refund offer at the moment just for adults, if you sign up to 'My VHI' and tick the box to agree to receive all documents by email/online and to pay through salary or by direct debit. They will request your IBAN bank details just so they can lodge your refund.
It is well worth for your wife or both of you to sign up to avail of this free offer.
The total refund for 2 adults is 150.
If both of you sign up with VHI, I would recommend you ask VHI to allow you to change your renewal date to either tomorrow (Friday 28th or Saturday 29th September) so as to avail of the half price offer for children, which ends on 1st October 2018. VHI are usually ok in allowing this type of thing.

Note; Details of the cash refund offer as follows;
https://www.vhi.ie/onlineadvantage

Alternatively, if you want to pick a Laya plan, you can leave the children with Laya while your wife could switch to VHI to avail of the cash
refund offer.

Regards, Snowyb
 
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