Hi babydays,
Yes, children can be on different plans to the adults, once its with the same company.
The main reasons for reducing cover for kids, apart from saving money, are as follows;
1. If the children don't visit gp or dentist etc that often - ie you can drop day to day outpatient cover.
2. All the children's hospitals in Ireland are public, so just public hospital cover for children is adequate.
However, there is a very good offer for children with Laya from 1st August 2013 which also happens to be your renewal date.
There is a price reduction for kids on 'Family Care' plan - first 2 kids price 212 each, child 3+4 price 179each
So in your case, 2 kids x 212 = 424
1 kid x 179 = 179
Total price for 3 children = 603euro
Note; If you pay by monthly instalments, a 3% charge applies - total for 3 children would cost 623euro, including this 3% charge.
This plan, Family Care, includes similar hospital cover and same day to day outpatient cover as your current plan Health Manager, at a very good price.
A plan with just basic public hospital cover and no outpatient cover with Laya costs 200 per child, so the above offer
is excellent value with all the extras included.
www.hia.ie/ci/comparison/step3?52&50/
The following 3 plans are worth considering for yourself and your husband;
1. Total Health Choice; price per adult 1017pa - same hospital cover + same day to day as before.
2. Simply Health Excess; price per adult 1019pa - same hospital cover + same outpatient day to day cover as before.
www.hia.ie/ci/comparison/step3?52&323&279/
The above 2 plans are very similar in price and in cover - only a slight difference in hi-tech excess amount per night.
3. Simply Health Connect; price per adult 960pa - similar hospital cover + same day to day outpatient cover as Health Manager.
This is a new Laya plan being launched on 1 August 2013, details will be available on HIA.ie from that date - only a slight difference
re excess amount for private and hi-tech hospitals.
www.hia.ie/latest-news/latest-news/...nnect-and-health-sense-connect-on-01.08.2013/
Note; Again, if you pay by monthly instalments, a 3% charge applies, to the above 3 plans.
As shown above, you will make considerable savings, without losing any cover
for both adults and children.
Regards, Snowyb