Rose123,
The following plans are worth considering for yourself;
1. VHI Company Plan Plus Level 1.3; price 1123pa; all public, private and 3 hi-tech hospitals covered, private hospital excess 150 per admission,
day case excess 50 per procedure. There is no excess to pay in any public hospital. Good day to day cover included, 50% refund for gp visits, consultant visits, etc. - max refund 1000 per year.
2.Laya Simply Connect; price 1100pa; all public, private and 3 hi-tech hospitals covered, private hospital excess max 150 x 2 per year for all
admissions, day case 50 per procedure. There is no excess to pay in any public hospital. Good day to day cover included, 50% refund for
gp visits, consultant visits, etc - max refund 500 per year. (50% of 1000= 500).
3. VHI One Plan 250; price 832pa; all public, private and Beacon hospital covered, private excess 250 per admission and day case excess 150
per procedure.
4. Laya Essential Health 300; price 895pa; all public, private and Beacon hospital covered, Cardiac and orthopaedic covered in Blackrock Clinic
and Mater Private. Private hospital excess 300 x 2 max per year for all admissions and day case excess 125 per procedure.
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For your husband, the following plans are worth considering;
5. VHI One Plan 500; price 715pa; all public and private hospitals covered, private excess 500 x 2 max per year for all admissions. Day case
excess 150 per procedure.
6. VHI One Plan 250; price 832pa; see details above.
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Regarding your 2 'kids', it is worth taking out health insurance, even basic cover. There is a nightly charge of 80 euro for anybody admitted to
a public hospital for a stay/surgery. This charge also applies to children. This charge applies if you don't have a medical card or health insurance.
It is capped at 80 x 10 nights = 800 max per year, regardless of how long a person is in hospital.
The following basic plan is worth considering for both ages;
7. VHI Start Plan; price 103pa(under 18) price 136pa(age 19); selected list of public hospitals covered, this list includes the 3 childrens
hospitals in Dublin for age under 16 years. It also includes the main adult hospitals in Dublin.
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A total family cost of 2000 or less can be achieved with certain choices.
Whenever the company plan ends, you can renew with any health insurance provider from that date.
Regards, Snowyb