Hi Brensky,
Here are a few suggestions for yourself and five children:
Staying with VHI;
Plan PMI 21 11 Adult Price; 993
Kids Price; 1050 (Note with VHI you pay for 3 children
2 kids are free)(350 x 3)
Total Price; 2043
This plan offers good hospital cover and good outpatient cover(ie you can claim a refund for gp visits,dental,consultants etc for all the kids and yourself - if you are under 50 yrs.)
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2nd Option with VHI;
If you just want good hospital cover and no outpatient cover;
Plan PMI 15 11 Adult Price 875
One Plan Choice Kids Price 699 (233 x 3)
Total Price 1574
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You can mix and match the above suggestions ie you could choose PMI 21 11 for the children and PMI 15 11 for yourself or One Plan Choice for the kids and PMI 21 11 for yourself.
Glohealth Insurance
Better Plan Adult Price 795 Good hospital cover, no outpatients cover
Kids Price 975 - Note if any kids are under 3 yrs, they go free.
Total Price 1770
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Laya Healthcare
Adult Options;
Total Health Choice Adult 874 -good hosp + good outpatients
or
Healthwise Plus No Excess Adult 885 - good hospital only
or
Company Care Plus Adult 1059 - good hospital + extra outpatients
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Options for 5 Children with Laya - half price offer
Health Smart - kids price 130 x 5 = 650 good hospital cover
Health Smart Family - kids price 200 x 5 = 1000 good hosp + good outpatients
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Note a 3% charge applies with Laya if you pay by instalments.
Options with Aviva Health; Adult Option; Health Plan 05 price 952
or
Level 2 Health Excess 899
Kids Option; Level 2 Family Health 794 (3x214)
( 2x76)
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Hope this makes your decision a bit easier.
NOTE; As regards your parents cover, all illnesses and medical conditions are covered as before when you change to a plan with similar hospital cover.
I would recommend 'Company Care Plus' with Laya Healthcare Price 1059each
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This is an excellent plan especially for over 65, good hospital cover and also very good outpatient cover for consultant,gp visits etc. Laya have no outpatient waiting times for any age group so they could claim for these benefits January 2014. Also, there is no restriction with Laya for orthopaedic surgery, unlike 80% restriction with VHI.
or
With VHI I would recommend Company Plan Extra Level 3 Price 1180 each
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Note; There is an 80% restriction with VHI Level 3 for certain orthopaedic and eye surgery. This restriction only applies to private and hi-tech hospitals, it does not apply to any public hospital. If they were prepared to travel to Dublin if they needed that type of surgery - Blackrock Clinic and Mater Private are fully covering orthopaedic surgery - ie they are not charging patients the 20% shortfall, for the past 5 years. Otherwise, they would be fully covered in
your regional public hospital. Your local private hospital could charge the 20% shortfall - you would have to confirm with them, if the need arose.
Secondly, there is very good outpatient cover with Level 3 plan but as your parents are over 65, VHI would apply a 2 year waiting time before they could claim for consultant visits etc.
Both plans are worth considering, similar to Plan B, at a cheaper price.
Even though your renewal date is next week, if you haven't made a decision by then, you still have a further 14 days to change to a different plan with VHI or to change to another provider.
I hope I haven't given too much info to take in, all at once.
Best of luck,
Snowyb