Dear Snowyb,
You have been very informative in the past.
We are two adults and 3 teenagers now aged, 20, 18 and 13
My family was on Laya Simply Connect Plus previously.
On your advice last year I transferred my eldest child to VHI's plan PM1 07 10 because Laya's charge for a young adult on SC Plus was twice the price of VHI's rate.
This year my second child has now reached 18 and I am also considering transferring them also to VHI's PHI 07 10. It is E418 per young adult.
My third child still with Laya under the Simply Connect Plus plan and is under 18 but as the other child is no no longer a child under their terms, the Laya policy of second child free no longer applies.
Asked about saving me money, Laya has suggested Simply Connect (not SC Plus) for my 18 year old child. This allows for Euro 500 of day-to-day expenses to be recouped p.a. (50% of E1000). The saving is not huge.
Before going for this, is there any limitation in stepping up again to a higher level in the future e.g. wait periods of 2 years, or something live that. Or other drawback, not yet apparent?
We are north Dublin city based and focused on hospital in that area.
We are very healthy in the main. But one can never discount possible operations for orthopaedics: knee injuries, sport injuries etc. one thing that Laya mentioned was only 80% cover for othopaedics if one moved down to another pan. Or did I understand that correctly...
Or is there something other family plan I should consider...
Our policy renews at the beginning of this year but we still have a few days to reconsider...
Thank you very much for your advice, it is invaluable in negotiating this maze.
You have been very informative in the past.
We are two adults and 3 teenagers now aged, 20, 18 and 13
My family was on Laya Simply Connect Plus previously.
On your advice last year I transferred my eldest child to VHI's plan PM1 07 10 because Laya's charge for a young adult on SC Plus was twice the price of VHI's rate.
This year my second child has now reached 18 and I am also considering transferring them also to VHI's PHI 07 10. It is E418 per young adult.
My third child still with Laya under the Simply Connect Plus plan and is under 18 but as the other child is no no longer a child under their terms, the Laya policy of second child free no longer applies.
Asked about saving me money, Laya has suggested Simply Connect (not SC Plus) for my 18 year old child. This allows for Euro 500 of day-to-day expenses to be recouped p.a. (50% of E1000). The saving is not huge.
Before going for this, is there any limitation in stepping up again to a higher level in the future e.g. wait periods of 2 years, or something live that. Or other drawback, not yet apparent?
We are north Dublin city based and focused on hospital in that area.
We are very healthy in the main. But one can never discount possible operations for orthopaedics: knee injuries, sport injuries etc. one thing that Laya mentioned was only 80% cover for othopaedics if one moved down to another pan. Or did I understand that correctly...
Or is there something other family plan I should consider...
Our policy renews at the beginning of this year but we still have a few days to reconsider...
Thank you very much for your advice, it is invaluable in negotiating this maze.