Hi FourOfAKind,
For your brother, Assure Protect is the cheapest similar option with Laya at the moment.
However for a similar price, VHI has a similar plan with just public hospital cover but it has refunds for gp visits etc included.
1. VHI PublicPlus Care Day to Day; price 510pa; just public hospital cover. Extra day to day cover included, refund of 20 per gp and dental visit,
refund of 60 per consultant visit.
2. VHI PublicPlus Care; price 479pa; just public hospital cover.
3. Laya Assure Protect; price 511pa; just public hospital cover.
https://www.hia.ie/comparison-tool/...jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==
Adult Options
The main difference between Inspire plan and Simply Connect plan is the 80% cover for cataract and hip/knee replacement surgery in private hospitals.
Note; the 20% shortfall would mean a cost of 2000 or 3000 to the patient. The Blackrock Clinic in Dublin does not pass this charge onto the patient.
So, for your parents, its something to think about when considering Inspire plan.
Inspire plan would be an ideal alternative option for you, because of your younger age bracket, less risk of needing a hip replacement.
An alternative option for your parents with Laya is Essential Health 300 @ price 996pa; Full cover for hip/knee replacement or cataract surgery on this
plan. Limited day to day cover.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
Also, Simply Connect Plus plan will also increase to 1330 from 1st Jan 2020.
Regards, Snowyb