Hi SWill34,
Welcome to AAM.
Adult Options;
The following 3 plans are similar cover wise and worth considering;
1. Laya Simply Connect; price 1132pa;(price increase will apply from 1 Dec 2019 to 1230pa) all public, private and 3 hi-tech hospitals covered,
private/hi-tech hospital inpatient excess capped at 150 x 2 max per year for all admissions. Day case excess 50 per procedure. Note; there is no excess to pay in any public hospital. Good day to day cover included, refund of 50% for gp visits, dental, consultants, physio etc. upto a max refund of 500 per year. (50% of 1000 = 500).
2. VHI Company Plan Plus Level 1.3; price 1193pa; all public, private and 3 hi-tech hospitals covered. Private/hi-tech hospital inpatient excess
150 per admission, day case excess 50 per procedure. Good day to day cover included, 50% refund for gp visits, etc upto a max refund of 1000
per year.
3. Irish Life 4D Health 2; price 1277pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech hospital inpatient excess 150 per admission,
day case excess 75 per procedure. Good day to day cover, 50% refund for gp visits, consultants, etc. There is free travel insurance with this plan.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
Note; As your wife is 37 years of age, there will be a 6% loading applied to her premium every year. This is called LCR Lifetime Community Rating.
A 2% loading applies for every year a person is over 34 years of age. This is 3 years in your wifes case 3 x 2% = 6%.
Lifetime Community Rating is explained here.
https://www.hia.ie/consumer-information/lifetime-community-rating-explained
If you take out a health insurance policy before the baby is born, the new baby will be covered on the policy free of charge until renewal date 2020.
Maternity will not be covered on the plan as there is a 1 year wait before cover applies.
Child Options
Public hospital cover is sufficient cover for a child under 3 years of age, as there are no private hospitals in Ireland. The 3 hi-tech hospitals offer a
range of paediatric surgery for children age 3 plus. VHI are best priced for a public hospital only plan.
1. VHI PublicPlus Care plan; price 129pa; all public hospitals covered. No private hospitals covered on this plan.
2. Irish Life Nurture Plan; price 170pa; a selected list of public and private hospitals covered on this plan. Please check the list covered to make
sure they suit your location. The 3 childrens hospitals in Dublin are covered.
3. Laya Assure Protect; price 156pa; all public hospitals covered on this plan. No private hospitals covered.
https://www.hia.ie/comparison-tool/...vY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
Regards, Snowyb