That's interesting to hear.we actually moved from Laya simply connect to this irish life plan. They offered more benefits and procedures. Think it’s 100 euro more expensive. But worth it if u might benefit from any other the procedures covered.
Thanks for that Irishstig. I won't be needing orthopaedic unless something catastrophic happens thankfully, i actually haven't had to claim much at all(just 1 gp visit in previous 12 months), but still would not be without cover.Not too very long back I previously worked in a brokers. We sold health insurance as a side line and were tied exclusively to Irish Life Health on the health insurance. In fairness the 4D Health 2 plan is a very decent plan all round.
One thing to be very mindful of is that there is a €2,000 co-payment on certain orthopaedic procedures (I always took this as a ploy to keep older people off their books). These procedures can cost many multiples of €2,000 and I heard of cases of patients getting the €2,000 co-payment waived - the reason being that a surgeon will not see you walk away through the door for quick money versus a public system patient where there may be a longer wait on payment. This may not always be the case though - I have heard of people having to make the €2,000 co-payment too - may be down to how busy the surgeon is and your own bargaining skills. All above possibly irrelevant if you don't foresee any claim from an orthopaedic procedure but quite often very relevant for older people in particular.
Another poster mentioned the Laya Healthcare Simply Connect plan. In fairness it probably does stack up very well against the 4D Health 2 plan and is about €85 cheaper for an adult with no LCR loading. You would loose the likes of having the travel insurance from the free add on packages with the 4D Health 2 plan. Compare the 2 plans side by side on the HIA website which is a very good tool I find in fairness.
Do also bear in mind that many plans across all providers would have got more expensive since your renewal last year.
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