Laya Laya Health Secure Plus

Hi,

This policy is up for renewal for €1,589.

I will need to have a caterac done (my second, a pre-existing condition) next year. In addition I see a lung consultant and do annual breathing / lung tests in Vincent’s Private.

Are there are any options to reduce cost and get equivalent cover?

Many thanks.

David

DaveEy,

The current plan you're on Health Secure Plus has full cover for a private room in a private hospital.
So there are 2 equivalent plans worth considering as alternative options. Details as follows;

1. Laya Care Select; price 1657pa; Hospital cover the same as before except no excess to pay on the first inpatient/day case in private or
hi-tech hospitals. This will cover your cataract procedure ie no excess to pay. Day to day cover is the same as before, 75% refund, upto a
max total of 2000 for certain benefits.

2. Laya Simplicity; price 1231pa; all public, private(including private room fully covered) + 3 hi-tech hospitals covered, private/hi-tech
excess 100 x 2 max per year for all admissions regardless of the number. Day case excess 50 per procedure. Day to day cover included,
50% refund upto a max total of 7650. Note; the first 100 not allowed.
If you go for this plan, there is an excess to pay of 50 for your cataract procedure if its a day case procedure.

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Regards, Snowyb

Can I ask you Snowyb concerning the Simplicity policy on the 50% refund the excess for a family is 200 euro. Is this made up of full doctors cost say 60 euro a visit or 50% . Example if we have 5 doctors visits at 60 euro each totaling 300 euro. Is this divided by 50% amounting to 150 euro meaning that I havent met my excess or have I met my excess by 100 euro and can claim 50% of the remaining 100 euro . Hope that makes sense.

Meath Lady,

The excess of 200 is subtracted at the end of the expenses calculation. So in your example, the 300 is divided by 50% first, amounting to 150.
This means you haven't met your 200 excess, unfortunately.

Snowyb

Thanks SnowyB

Many thanks, appreciate it.

David

DaveEy,

Care Select plan will reduce to 1521 from 31st DEC 2018. You must have a special rate for Health Secure Plus.

There's no price change to Simplicity plan.

Snowyb