Health policy Irish life health - 4d health 2

Cameo

Frequent Poster
Messages
110
My wife, myself and 3 kids (9,11 and 13) are covered under this plan.

Premium is 291 per month, and ideas how to save some cash would be most appreciated?

Thanks in advance.

P.s. I think health insurance has to be the most non-transparent product out there but maybe I just haven’t applied myself to figuring it out...
 

snowyb

Frequent Poster
Messages
1,441
Hi Cameo,

The following plans are worth considering, to make savings; Adult Options;

1. Vhi Company Plan Plus Level 1.3; price 1193pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech inpatient excess 150 per admisssion and 50 per day case procedure. There is no excess to pay in any public hospital. Good day to day cover included, 50% refund for gp, consultants etc.

2. VHI PMI 37 13; price 1147pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech inpatient excess 100 per admission and 100 per
day case procedure. Limited day to day cover on this plan.

3. Irish Life Benefit plan; price 971pa; all public and private + Beacon hospital covered. (no cover for Blackrock Clinic or Mater Private)
Private hospital excess capped at 200 x 2 max per year for all private hospital admissions. Day case excess 125 per procedure in a private hospital.
Limited day to day cover on this plan.
https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzEyODgsMTQwOSwxMjgxLDE1MDBdLCJwbGFucyI6eyJkYXRhIjpbXSwibG9hZGluZyI6dHJ1ZX0sInBsYW5zU2VsZWN0ZWREYXRhIjpbXSwiYXBwbGljYXRpb24iOnsidG9nZ2xlX3Njcm9sbExvY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=

Child Options

1. Irish Life Nurture Plan; price 171 per child; covered in a selected list of public and private hospitals, the 3 childrens hospitals in Dublin are
covered on this plan but you would need to check this list to ensure the hospitals covered suit your location. Private hospital inpatient excess
capped at 300 x 2 max per year for all admissions, day case excess 75 per procedure. There is no excess to pay in any public hospital.
Limited day to day cover on this plan.

2. VHI One Plan 150; price 197 per child; all public and private + Beacon hospital covered, Private hospital inpatient excess capped a 150 x 2 max
per year for all private admissions, day case excess 150 per procedure. Limited day to day cover on this plan.

3. VHI One Plus Plan; price 225 per child; all public, private and 3 hi-tech hospitals covered; private/hi-tech inpatient excess 125 per admission
and 125 per day case procedure. Limited day to day cover on this plan.

4. VHI Company Plan Plus Level 1.3; price 300 per child; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 per admission
and 50 excess per day case procedure. Good day to day cover included on this plan, 50% refund for gp, consultants, dental etc.

https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MTIsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzE0MTAsMTI5MSwxMjc5LDE0MDldLCJwbGFucyI6eyJkYXRhIjpbXSwibG9hZGluZyI6dHJ1ZX0sInBsYW5zU2VsZWN0ZWREYXRhIjpbXSwiYXBwbGljYXRpb24iOnsidG9nZ2xlX3Njcm9sbExvY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=


https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MTIsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzE0MDksMTI4OF0sInBsYW5zIjp7ImRhdGEiOltdLCJsb2FkaW5nIjp0cnVlfSwicGxhbnNTZWxlY3RlZERhdGEiOltdLCJhcHBsaWNhdGlvbiI6eyJ0b2dnbGVfc2Nyb2xsTG9jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==

Note; Children can be insured with VHI on their own, without an adult on the policy. VHI are the only provider that allow this.
So if you choose an Irish Life plan for the children, at least one adult has to be also with Irish Life.
You can choose different plans, if it suits according to your families individual needs.

Regards, Snowyb
 
Last edited:

Cameo

Frequent Poster
Messages
110
Wow! Thanks a million for making things more straightforward . Will need to spend a bit of time looking at options
 
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