Seammy,
The alternative options worth considering are as follows;
1. VHI PMI 44 16; price 1102; all public, private (including private room) + 3 hi-tech hospitals covered. Private/hi-tech excess is 150 per
admission or day case. Very limited day to day cover on this plan.
2. VHI PMI 43 16; price 1171pa; all public, private + 3 hi-tech hospitals covered. Private/hi-tech excess is 150 per admission and 50 per day
case. Good day to day cover included on this plan, NOTE; from 31/12/2018 changes will apply to the day to day cover - 50% refund for gp,
consultant visits etc.
3. Simplicity; price 1191pa; all public, private(including private room) + 3 hi-tech hospitals covered. Private/hi-tech excess 100 x 2 max per year for admissions, day case excess 50 per visit. Day to day cover included, the first 100 not allowed.
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The above plans have similar hospital cover to your current plan so there is no waiting as you are switching from like to like.
This range of plans are the cheapest which cover all 3 levels of hospitals - public, private and hi-tech.
Cheaper plans will have either a higher inpatient excess with cover for all 3 levels of hospital, or it will have just public and private hospital cover.
Examples;
1. Laya Control 300 Create; price 1042pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 300 per admission, day case
excess 125 per visit. Good day to day cover included.
2. VHI PMI 40 15; price 1049pa; all public, private and Beacon hospital covered, private excess 75 per admission and 50 day case. Limited day
to day cover.
3. VHI One Plan 250; price 916pa; all public, private and Beacon hospital covered, private excess 250 x 2 max per year. Day case excess 150 per
visit. Limited day to day cover.
4. Laya Essential Health 300; price 895pa;(from 1/1/2018) all public, private and Beacon hospital, private excess 300 x 2 max per year. Day case excess 125 per visit. Limited day to day cover.
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Regards, Snowyb