Hi johnmck,
The plan you are on at the moment only covers public hospitals. The following Laya plan is well worth considering as an alternative option.
It is half the cost of your current plan, with exactly the same hospital cover. Details as follows;
NOTE; There is no(limited) day to day cover on this plan but the savings overall will cover a lot of medical bills.
1. Laya Assure Protect; price 482pa; all public hospitals covered. No private hospitals covered on this plan, same as Assure Ideal.
Note; there is very limited day to day cover on Assure Protect plan, but the savings achievable will cover a lot of health expenses.
Comparison in the following link.
https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCwxMDAxLjMxXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzExMywyMjNdLCJwbGFucyI6eyJkYXRhIjpbXSwibG9hZGluZyI6dHJ1ZX0sInBsYW5zU2VsZWN0ZWREYXRhIjpbXSwiYXBwbGljYXRpb24iOnsidG9nZ2xlX3Njcm9sbExvY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
If you want to consider a plan including private hospital cover, the following plans are worth considering;
1. VHI One Plan 500; price 715pa; all public and private hospitals covered, private hospital excess capped at 500 x 2 max per year for all
admissions, day case excess 150 per procedure. No excess to pay in any public hospital.
2. VHI One Plan 250; price 832pa; all public and private hospitals covered, private hospital excess capped at 250 x 2 max per year for all
admissions, day case excess 150 per procedure. No excess to pay in any public hospital.
3. Laya Essential Health 300; price 895pa; all public, private and Beacon hi-tech hospital covered, private excess capped at 300 x 2 max per
year for all private hospital admissions. Day case excess 125 per procedure. No excess to pay in any public hospital.
4. Irish Life Benefit plan; price 899pa; all public and private hospitals covered; private hospital excess capped at 200 x 2 max per year for all
private hospital admissions. Day case excess 125 per procedure. No excess to pay in any public hospital.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
Regards, Snowyb