Hi music,
There is a cheaper alternative option for the 2 adults and the 13 year old, with Laya. Details as follows;
1. Laya Inspire plan; price 1140 per adult; child price 284pa; all public, private and 3 hi-tech hospitals covered. Private/hi-tech excess 150 per
admission and day case excess 50 euro per procedure. Good day to day cover included, refund of 50% for gp, consultants, dental etc upto a max
refund of 1000 per year(50% of 2000 = 1000).
NOTE; there is 80% cover for orthopaedic surgery - this means just hip, knee and shoulder replacement surgery.
If this type of surgery is required, the Blackrock Clinic Dublin don't pass the 20% shortfall charge onto the patient.
Thats what Laya were referring to in their explanations.
https://www.hia.ie/comparison-tool/...jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==
18 and 20 year old options
1. VHI Company Plan Plus Level 1.3; price 401(18 - 20 yrs) 50% refund for gp, consultants, etc.
2. VHI PMI 07 10; price 418(18 - 20 yrs) 50% refund for gp, consultants etc.
3. VHI PMI 45 10; price 435(18 - 20 yrs) 75% refund for gp, consultants etc.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
There is no waiting attached to day to day benefits if you upgrade this cover.
Regards, Snowyb