Hi sonas2013,
Prices have gone crazy as a result of last years Budget, however there are still savings to be made without compromising on cover.
VHI seem to be the better option all round at the moment.
Regarding your father's situation with pre-existing conditions requiring on-going treatment, it is recommended to choose a plan with no hospital excess.
This means that if he is admitted to a private or hi-tech hospital, there is no payment required on admission - regardless of the number of admissions in a year.
The Laya plan Connect Care 500 would not be suitable for your father as it has a 500euro hospital excess, which is payable for every admission to a private or hi-tech hospital.
VHI plan 'Company Plan Extra Level 3' price 1480 per adult is very similar to his present plan 'Company Care Plus' with Laya.
Hospital cover is exactly the same as before, so no concerns in that regard, including pre-existing conditions.
Comparison link as follows;
www.hia.ie/ci/comparison/step3?198&111/
While this plan would also be suitable for yourself and your mother, there is an alternative option to consider at a cheaper price.
VHI Plan PMI 36 13; price per adult 1122pa;
This plan has a hospital excess of 75, which would be payable on admission to a private or hi-tech hospital ( note this 75 is not payable in any public hospital).
This plan may suit both of you as you don't have ongoing health issues.
Hospital cover same as before overall - no private room private hospital option for 50 per night. Slightly less outpatient cover, but overall worth considering.
Comparison as follows;
www.hia.ie/ci/comparison/step3?198&357/
Regards, Snowyb