Laya Hospital Excess waiting time of two years should work both ways.

[IsleOfMan]

If I am on a policy where the excess is €600 and I get sick during the year, I then move to a policy where the excess is €250 the following year, I still have to pay the hospital excess of €600 for two years after, because it will be an existing illness.
If it is a new illness when I move on to the €250 excess policy I only have to pay the €250 excess.

Take the opposite scenario. I am on a policy where the excess is €250 and I get sick during the year. I then move to a policy with an excess of €600. Should it not follow that the excess of €250 should follow me for the next two years?

 

[Tintagel]

It seems logical that your excess should follow you. If you are downgrading your policy then you are also downgrading the benefits attached.

 

[Brendan Burgess]

Because of community rating, all sorts of oddities arise.

It would make no sense to reduce the excess to €250 immediately for existing illnesses as people would just reduce the excess when they get sick.

Brendan