Hi Brensky,
Firstly, for your parents with Laya, the following four plans are worth considering;
NOTE; There is no hospital inpatient or day case excess payable in any public hospital. Hospital inpatient or day case excess applies to private or hi-tech hospitals.
1. Simplicity; price 1050pa, same hospital cover as before, private hospital admission excess 100 x 2 = 200 max per year, day to day cover with the first 100 not allowed(100 excess), private day case 50 per visit.
2. Connectchoice; price 1170pa, same hospital cover as before,private hospital excess 125 per admission, day to day cover same as before, 1 euro excess, private day case 125 per visit.
3. Simply Connect; price 999pa, same hospital cover as before, private hospital admission excess 150 x 2 = 300 max per year, day to day cover 1 euro excess max refund 300 per year per person, private day case excess 50 per visit.
4. Simply Connect; price 1099pa, same hospital cover as before, private hospital admission excess 150 x 1 = 150 max per year, day to day cover 1 euro
excess max refund 500 per year per person, private day case excess 50 per visit.
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Laya Plans for 10 yr old
1. Simply Connect; price 239pa; same hospital cover as before, private hospital excess 150 x 2 = 300 max per year, good day to day cover
with 1 euro excess, max refund 300 per year, private day case 50 per visit.
2. Simply Connect Plus; price 263pa; same as Simply Connect plan, max private hospital excess 150 x 1 = 150 per year, day to day cover max refund 500 per year, 1 euro excess, private day case 50 per visit.
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VHI Options for self and children
The One Plan is the cheapest VHI plan which covers all 3 levels of hospital cover, so no change there.
There is a half price offer for children from 1 Jan to Feb 29 2016.
1. One Plan Family; price 138 per child, 3 levels of hospitals covered, 125 private excess, limited day to day cover.
2. One Plan Complete; price 151 per child, 3 levels of hospital cover, no hospital excess.
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The only difference between these two plans is the hospital excess 125 or no hospital excess - only for private or hi tech hospitals, no excess applies to any public hospital.
Hope this helps with your renewal decisions.
You can post again in April for your husbands renewal, there may be more changes by then.
Regards, Snowyb