Mayogirl,
Yes, Laya Simplicity plan is a very good option. The 100 x 2 max excess per year means you only pay an excess for 2 admissions to any
private/hi-tech hospitals in one year. If you have more than 2 admissions, there is no excess to pay for the 3rd+ admission.
There is full orthopaedic cover on Simplicity plan, no excess or shortfalls apply to this type of surgery in any private or hi-tech hospital.
Good day to day cover - the first 100 not allowed.
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The best value for the children from 1st August is with VHI, half price offers;
VHI allow children to be insured on their own, without an adult. An adult is just named on the policy but only the children are insured.
Also children can be on different plans to adults and each child can be on individual plans chosen to suit their health needs if required.
1. One + Plan; price 148pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 125 per admission or day case.
2. One Plan Complete; price 168pa; all public, private and 3 hi-tech hospitals covered, no excess on this plan for private admissions or day case.
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Regards, Snowyb