Hi music,
With VHI, there are minimal savings to be made but the cover for adults has lower excess and a 1 euro excess for day to day cover.
Details as follows;
Adult alternative options;
1. PMI 41 15; Price 1254pa; public, private and hi-tech hospital cover as before, inpatient excess 75 per private/hi-tech admission, private/hi-tech day case is 50 per visit. Good day to day cover with a 1 euro excess.
2. One Plan; price 1147pa; public, private and hi-tech hospital cover as before, inpatient excess 125 per private/hi-tech admission or day case.
Limited day to day cover.
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Note; one adult could choose One Plan to reduce costs.
Childrens alternative options;
1. One + Plan; price 145pa;(reduced price from 31/12/2016) public,private and hi-tech hospital cover as before, excess 125 per admission or day case in private/hi-tech hospitals. Limited day to day.
2. One Plan Complete; price 164pa; (reduced price from 31/12/2016) public, private and hi-tech hospital cover as before, no excess applies for admissions or day case visits. Limited day to day cover.
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Laya Options;
Adult Alternative plans;
1. Simplicity Plan; price 1087pa; public, private and hi-tech hospital cover, max inpatient excess 100 x 2 per year, day case excess 50 per visit,
day to day cover included - first 100 not allowed. Cover included for a private room in a private hospital.
2. Simply Connect Plus; price 1201pa; public, private and hi-tech hospital cover, max inpatient excess 150 x 1 per year, day case excess 50 per
visit, day to day cover included - max limit per year 500.
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Note; 3% charge applies if you pay by installments.
Childrens Laya alternative offer; special offer applies for children from 1/12/2017 where you pay for one child and the rest go free.
1. Essential Connect Family; price 227pa(cost of one child and the rest are free) public, private and Beacon hospital cover, private excess max 300 per policy per year, regardless of the number of peope on the policy. Limited day to day cover.
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Good savings achievable with Laya; 1087 + 1087 + 227 = 2401 (including 3% charge 2473).
Another option is for one adult to choose Simplicity and children with Laya, while second adult stays with VHI PMI 41 15 if it suits.
Regards, Snowyb