What's the difference between Connect Simplicity and Simple Connect Plus?
What's the difference between Connect Simplicity and Simple Connect Plus?
Riomhaire, thank you very much for your insight. I was looking for significant differences but just got more addled by the minute.
Would Control 300 create be a better plan than the two mentioned above based on no excesses on consultant fees as Sadie outlined above. I know the €300 excess is higher but I don't mind that so much.
Hi
my friend who has just lost her husband has to renew her health insurance. She is 66 and dependents, current policy is laya company health plusno excess. what should she consider for renewal for same cover but better price. best regards. Midge
Hi MIDGET,
LAYA Company Health Plus No Excess is costing €2486 for the coming year. In my opinion this is quite expensive for what it offers.
The No Excess element is adding the guts of €1000 to the yearly premium.
If your friend were to choose Simplicity at a cost of €1535 for the coming year she would save €951 on the annual premium. The excess with this plan for a inpatient stay in a private hospital is just €100 per claim on the first two claims only.
A Day Case is treatment in a private hospital but not including an overnight stay incurs an excess of €50 on Simplicity.
Looking at a worst case scenario, even if your friend was hospitalised on more than two occasions and had also two day case procedures in the coming year the most she would pay in excesses would be €300 on the Simplicity plan.
Simplicity also has better outpatient everyday benefits.
There are other LAYA plans such as Simply Connect Plus and Connect Simplicity which deserve serious consideration however the excesses are slightly bigger.
In my opinion a saving of €951 with Simplicity without sacrificing on private accommodation is well worth serious consideration for the sake of taking on a small excess.
I hope this is helpful.
[/QUOTE
Hi Riomhaire
Thank you ever so much for your prompt reply, and my friend will most certainly look into these options.
Could i ask your opinion >.>>>
my husband and i live in the west
he is in 80 and me 66
we are on lay simply connect plan
concerns for possible cancer issues for me
he has controlled blood pressure
is this a good plan for us?
is there a better plan for the same price range?
would it be wise to pay for a private room in a private hospital?
looking forward seeing what light you can throw on this minefield.
best regards
MIDGET
Hi MIDGET,
Simply Connect from LAYA is a very good plan and at at €1300 for 2021 represents very good value.
As regards upgrading to cover for a private room in a private hospital LAYA's Connect Simplicity at €1360 for 2021 is worth consideration as is Control 300 Create at €1251. However the excess with Control 300 Create is high at €300 per in-patient claim in a private hospital.
However you might not be eligible for the private room for two years if you are hospitalised with a pre-existing condition.
You would still be covered under the terms of your original policy for the the two years waiting time.
A new condition would not be subject to the this waiting time.
Before you contemplate upgrading your cover I would strongly advise you to speak to LAYA and get this issue answered in writing.
I hope this is helpful.
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?