Laya Laya Simply Connect Plus or alternative?

Discussion in 'Health Insurance and healthcare costs' started by Buffet, Jan 2, 2017.

  1. Buffet

    Buffet New Member

    Posts:
    3
    Hi.

    My company covers all employees under the "Laya Simply Connect Plus" policy; they pay 100% cost for employees and optionally 50% cost for dependents. There is no option to change to a different policy.

    I have availed of this option for myself and 3 children (ages 6, and 3 year old twins). My wife is covered separately by her employer. The policy was last renewed on October 1st.

    Now I am leaving this company, and need to get and pay for suitable cover.
    I don't know if Laya would continue the policy as was renewed on October 1st, but it might not make a difference price wise as this is also the start date of the current version of the plan. I don't know if there is a group discount given. I intend to phone them to find out ASAP.

    But is this the best plan, for a cost of approx 2068euro?

    Thankfully there are no current medical issues to be concerned about - so far only day procedures have been required for one child (e.g. grommets), and a couple of in-patient stays for respiratory infections for one child while an infant.


    Thanks in advance for your advice.
     
  2. snowyb

    snowyb Frequent Poster

    Posts:
    872
    Buffet,

    Welcome to AAM. The best priced plans for adults at the moment are as follows;
    1. VHI PMI 44 16; price 1050pa; public, private(including full cover for a private room) and hi-tech hospitals covered, excess 150 per admission or day case in private/hi-tech hospitals. Limited day to day cover.
    2. VHI PMI 43 16; price 1136pa; public, private and hi-tech hospitals covered, excess 150 per admission and 50 per day case, good day to day
    cover - 1 euro excess.
    3. Laya Simplicity plan; price 1087pa; public, private( including full cover for a private room) and hi-tech hospitals covered, excess 100 x 2 max per year, good day to day cover - first 100 not allowed.
    http://www.hia.ie/ci/comparison/step3?plan_ids=519|697|701|656&source=plans

    Best child options at the moment;
    1. VHI One + Plan; price 145 per child; public, private and hi-tech hospitals covered, excess 125 per admission or day case.

    2. Essential Connect Family; offer 227pa ( just pay for 1st child and the rest of the children are free) public, private and Beacon hospital cover,
    excess 300 per family for first 2 claims only per year.
    http://www.hia.ie/ci/comparison/step3?plan_ids=519|200|394&source=plans

    Regards, Snowyb
     
  3. Buffet

    Buffet New Member

    Posts:
    3
    Many thanks.