Meath Lady,
For older persons in general, the following 3 Laya plans are best value, due to the max private hospital excess for admissions.
This means there is a cap on the excess payable if admitted for surgery or a stay in a private hospital, regardless of the total number of admissions per year.
1. Simply Connect; price 1179pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech hospital excess 150 x 2 max per year - regardless of the total amount of admissions overall. Day case excess 50 per procedure. Good day to day cover included, 50% refund for consultant visits, physio, dental, gp etc. Max day to day expenses refund is 500( 50% of 1000).
2. Simply Connect Plus; price 1250pa; same cover as Simply Connect. 2 differences include max excess in private/hi-tech hospitals 150 x 1 per
year, regardless of the total number of admissions. Day to day cover as before, max refund 1000( 50% of 2000).
3. Simplicity; price 1191pa; Hospital cover similar to previous 2 plans, difference relates to max private/hi-tech excess 100 x 2 per year - regardless of the number of admissions. Also this plan fully covers a private room in a private hospital. Day to day expenses covered, difference is the first 100 not allowed.
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The above 3 plans fully cover hip and knee replacement surgery in all private hospitals and cataract surgery, with no co payment required.
Regards, Snowyb