Hi Eilymai,
The following plan is an excellent alternative to your current plan. There is no excess to pay for knee replacement surgery in any
private or hi-tech hospital with Laya. Details as follows;
1. Laya Simplicity Plan; price 1231pa; all public, private(including private room) and 3 hi-tech hospitals covered, there is a
maximum excess of 100 x 2 per year for all admissions in private or hi-tech hospitals, regardless of how many in total. But as
already mentioned above, there is no excess to pay in any private hospital for knee replacement surgery, so no charge applies
to you for this surgery.
The day case excess in a private or hi-tech hospital is 50 euro per procedure.
There is good day to day cover on this plan, refund of 50% for consultant visits, gp visits, dental, physio etc - note the first 100
is not allowed. Details on the following link;
[broken link removed]
Details stating that no excess or shortfall to pay for orthopaedic surgery and the full list of Laya plans included in the following
2 links;
https://www.layahealthcare.ie/orthopaedic/
https://www.layahealthcare.ie/media/layahealthcare/LAYA-OrthoCoPay-A4-004-0817-v1.pdf
You can switch to another plan at any time mid-year with Laya, regardless if it is your renewal date or not.
As a matter of interest, what hospital will you be attending for knee surgery?
Also, when is your health insurance renewal date?
There are plenty of savings to be achieved by switching. If it helps, I am also on Simplicity plan myself at the moment.
If you have any further questions, don't hesitate to ask.
Regards, Snowyb