JohnSp,
As your renewal date is December 2019, for your wife and 2 teenagers, the 2 options are between Be Fit 2 or 4D Health 3.
There is very little difference in the 2 plans, Be Fit 2 has the first consultant and gp visit fully covered which is a big plus - the hospital excess is 125
for an admission or day case procedure. 4D Health 3 has a lower hospital excess 75 per admission or day case - with 50% refund for gp and
consultant visits.
1. Irish Life Be Fit 2; price 1453(adult) 726(18-20 yrs) 420(child); all public, private hospitals(including private room Beacon + St Vincents) + 3 hi-tech
hospitals covered; private hospital excess 125 per admission and per day case. Very good day to day cover 1st Consultant and gp visit fully covered,
subsequent visits 50% refund per visit.
2. 4D Health 3 plan; price 1481(adult) 740(18-20 yrs) 420(child); all public, private hospitals(including private room Beacon + St Vincents) + 3 hi-tech
hospitals covered; private hospital excess 75 per admission and per day case. Good day to day cover, refund of 50% per visits.
https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCwxNDgxLjldLCJtaW5NYXhFeGNlc3MiOlswLDYwMF0sInBsYW5UeXBlIjoxLCJwbGFuc1NlbGVjdGVkIjpbMTQxMywxNDE5LDE0MjhdLCJwbGFucyI6eyJkYXRhIjpbXSwibG9hZGluZyI6dHJ1ZX0sInBsYW5zU2VsZWN0ZWREYXRhIjpbXSwiYXBwbGljYXRpb24iOnsidG9nZ2xlX3Njcm9sbExvY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
For yourself, I would consider 4D Health 4 plan, which gives a refund of 75% per consultant visit. Details as follows;
3. Irish Life 4D Health 4; price 1524 per adult; all public, private hospitals(including private room Beacon + St Vincents) + 3 hi-tech hospitals covered.
private excess 50 per admission and 50 per day case. Very good day to day cover included, 75% refund for consultant visits and gp visits, etc.
Note; the excess of 50 euro is only payable if you are either admitted to a private hospital overnight or if you have treatment classed as a day case
procedure in the hospital. If you have a lot of day case procedures in a private hospital, it is recommended that you upgrade to a plan with no excess
charge in private hospitals. For example 4D Health 5 plan. I included this plan in the link below to compare.
If you see a consultant in the private consulting rooms, this is charged as a private visit usually from 120euro to 250euro depending on the type of consultant and there is no cap on the yearly charge. A refund of either 50% or 75% applies depending on the cover on your plan.
https://www.hia.ie/comparison-tool/...vY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
Just to note, the above prices are upto 31 December 2019. Be Fit 2 plan will sky-rocket price wise from 1 Jan 2020 from 1453 to 1738.
Something to keep in mind for renewing next year. The 4D health plans are much better value for January renewal dates.
Snowyb