rtobrien,
Control 600 Connect is a good option for the two adults, as an alternative to Flex 500 Explore.
There is also the extra cover for a private room in a private hospital included on this plan.
Control 600 Connect; price 852pa; all public, private and 3 hi-tech hospitals covered, excess 600 per private/hi-tech hospital admission,
excess 175 per day case. Extra cover for a private room in a private hospital included on this plan as standard.
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For the 3 children, there are very good half price offers with VHI at the moment. Details as follows;
1. VHI One + Plan; price 148 per child; all public,private and 3 hi-tech hospitals covered, excess 125 per private/hi-tech hospital admission
or day case. No day to day cover on this plan.
2. VHI One Plan Complete; price 169per child; all public, private and 3 hi-tech hospitals covered, no excess on this plan for admissions or day case.
However, as your son's condition seems to be pre-existing, ie already diagnosed - strictly speaking if you take out this plan with no excess,
you could be still charged the 150 excess as per Flex 500 Explore. Pre-existing conditions are subject to a 2 year upgrade waiting time if you
change to plans with better hospital cover or a lower excess. I'm not sure in practise how strictly this rule is applied.
3. Laya Simply Connect; price 275 per child; all public, private and 3 hi-tech hospitals covered, excess 150 x 2 max for admissions or 50 euro
per day case. Again regarding the 2 year waiting for pre-existing illnesses, you could be charged 150 for a day case procedure. However,
there is good day to day cover on this plan, ie 50% refund for consultant visits upto 300 max per year. This may be an option to cover any
specialist consultant visits in relation to your son going to Blackrock Clinic.
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I would definitely recommend One + Plan for your 2 other children, and options 1,2 or 3 for your sick child.
VHI allow children to be insured on their own without an adult - an adult is named on the policy but just the children are insured.
So, the 2 adults can stay with Laya and switch to Control 600 Connect.
Regards, Snowyb